Lumpsum vs staggered entry

Under a single steady return, deploying at once always wins — the staggered money simply spends less time invested. What staggering buys is protection against a bad sequence, which a single-rate model cannot show. Treat the gap below as the price of that protection, not as an argument against it. This is an arithmetic illustration under an assumption you entered yourself. It is not a forecast, not a recommendation, and not personalised advice. Returns are not assured; real outcomes vary. Taxes, exit loads, brokerage and inflation are not included unless a field above says otherwise. No security is named or implied, and nothing you type here leaves your browser.