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Rs 5 Lakh Lump Sum vs Rs 5,000 Monthly SIP: Which Creates More Wealth?

Lump sum and Systematic Investment Plan (SIP) are two popular ways of investing in mutual funds. While lump sum involves investing a large amount at once, SIP allows investors to put in smaller amounts at regular intervals.  In a lump sum investment, the money is fully invested immediately. This allows it to potentially grow faster if markets perform well. However, it also carries higher short-term risk. If the portfolio is exposed to market fluctuations from the start, returns can be disappointing. On the other hand, SIP involves investing smaller amounts regularly, such as monthly or weekly. This approach reduces risk by spreading investments over time. This can also help average out market ups and downs.  ALSO READ:  Equity Fund Inflows Slump 40% To Rs 22,908 Crore In May, Lowest In 2026 Both methods have their own benefits, risks and utilities. Investors with access to both may wonder how they can best maximise their returns. Whether lumpsum can work faster or...

WhatsApp Unveils High-Security Mode, 3rd Major Tech Firm To Do So

Meta's WhatsApp messaging service is offering users an advanced security mode, joining a growing number of U.S. tech firms that are letting users opt into stronger protections against hackers in exchange for a more restrictive experience.

The new option, rolling out on Tuesday and called "Strict Account Settings," is a one-click button in WhatsApp's settings that activates a series of defences.

These include blocking media and attachments from unknown senders, disabling link previews - the thumbnails that appear when a URL is entered into a chat - and silencing calls from unknown contacts. All three have been identified as potential vectors for surveillance and advanced hackers.

In a blog post, WhatsApp said that while all its users' conversations were protected by end-to-end encryption, "we also know that a few of our users - like journalists or public-facing figures - may need extreme safeguards against rare and highly sophisticated cyberattacks." 

Meta Platforms is the third major tech firm to offer a security boost for high-risk users.

In 2022, Apple launched "Lockdown Mode," which it describes as "an optional, extreme protection" designed for the "very few individuals" who might be targeted by advanced digital threats. Available on iPhone and macOS, the feature disables most message attachment types and link previews and includes restrictions on FaceTime calls and web browsing.

Last year, Alphabet's Android began offering "Advanced Protection Mode," for users with "heightened security awareness." 

Like "Lockdown Mode", Alphabet's more secure option trades some functionality for enhanced security, including restricting users from downloading potentially risky apps from outside its in-house Play Store.

A researcher who helps defend civil society figures from hacking said WhatsApp's announcement was "a very welcome development."

The feature will help protect dissidents and activists while encouraging other tech firms to up their game, said John Scott-Railton, who works at The Citizen Lab, a research group based out of the University of Toronto.

"My hope is that others follow suit," he said.

(Except for the headline, this story has not been edited by NDTV staff and is published from a syndicated feed.)



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