SIP vs One time Investment in Mutual Fund – Learn the pros & cons. Make an informed decision & achieve your financial goals. Start investing now! Which is the better option in SIP vs one time investment in Mutual fund? If you have decided to invest in mutual funds, you must be wondering which is the best option. Both methods aim to help you in building wealth. However, to create a financially secure future, your present cannot be neglected. A balanced life is a key to success.