Скачать или смотреть Got a Lump Sum? Here’s the Smart Way to Invest It | STP Explained

What do you do when you have a lump sum from a gift, savings, windfall gain or bonus?

You could:
(a) Invest it all at once,- but risk investing at a market high.
(b) Try to ‘time the market’ for a good entry point - virtually impossible.
(c) Increase your monthly SIP - but most of the lump sum will only earn bank interest until fully invested, plus easy access in your savings account can be a temptation to spend.
(d) Invest using an STP - mitigate risks while optimising returns.

With a Systematic Transfer Plan (STP), you can park a lump sum in a lower-volatility scheme and automatically transfer a fixed amount (Normal STP) or dynamic amount (Flex STP / Value STP) periodically into another: say from a debt-oriented fund into equity, or from a balanced fund to a more aggressive one.

Value STP goes a step further. It transfers amounts based on deviation from a target portfolio value — more when valuation is low, less when high. This isn’t just cost averaging, but a dynamic, auto-adjusting strategy meant to maximize value over time.

Stay invested. Stay disciplined.

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