So you get an unexpected bonus, have surplus funds, or you've just completed a huge sale and have the cash sitting in your account – what do you do with it? Definitely not just remain there since it's just losing its value to inflation. But you also don’t want to go all-in on the latest hype stock and get burned in the process. You've probably heard of Systematic Investment Plans (SIPs) where you grow your wealth by adding small amounts of money to a fund at regular intervals over time. Sure, this increases your investment disciple and you get to benefit from cost averaging as opposed to timing the market. However, due to the smaller monthly instalments, the return over time may not be to your liking. What if you could put it all in at once and score better returns – especially in a bull market where you can ride it up? That's where lump sum investing comes in.