text: Mujhe toh yeh idea pasand hai ki hum monthly SIP karen, lekin tumhara kya khayal hai, kya yeh strategy retirement ke liye sahi hai ya nahi?Monthly SIP toh acha hai, lekin ek lump sum invest karne ka bhi option hai, bas yeh dekhna hoga ki market kaise perform kar raha hai, samjha kya?