To begin with, you can always invest a lumpsum in debt mutual funds. However, it is not a great idea to invest a lumpsum in equity mutual funds.This is to avoid the risk of catching the market at a particular level, especially at the higher level. That is why experts ask investors to stagger their investments in equity mutual funds so that they can benefit from the volatility in the stock market. It will help them to maximise their returns However, there is an exception to this rule: you can always invest a lumpsum amount in the market as a tactical allocation, especially when there is a huge fall in the market. Such tactical allocation is made to benefit from the fall in the market and maximise returns.

Source: Economic Times February 08, 2018 09:33 UTC