The choice between SIP or one-time investment largely depends on the investor’s investment goals and availability of funds. For example, if you are comfortable investing a small amount at regular intervals, SIPs are the best choice. On the other hand, if you are holding some cash and looking for immediate investment, you can invest the sum as a lumpsum investment. Alternatively, you can invest the lump sum amount in a fund and do a Systematic Transfer Plan (STP) on a regular basis to average out the market volatility.