{"id":25806,"date":"2013-05-17T12:28:59","date_gmt":"2013-05-17T06:58:59","guid":{"rendered":"http:\/\/vskills.in\/certification\/tutorial\/?p=25806"},"modified":"2024-04-12T14:18:25","modified_gmt":"2024-04-12T08:48:25","slug":"systematic-transfer-plan","status":"publish","type":"page","link":"https:\/\/www.vskills.in\/certification\/tutorial\/systematic-transfer-plan\/","title":{"rendered":"Systematic Transfer Plan"},"content":{"rendered":"\n

Systematic Transfer Plan<\/strong><\/h4>\n\n\n

Imagine a scenario when you want to invest a big lump sum amount in stock market ? As markets are volatile and can go up or down very soon , there is always risk of loosing a big chunk of your investment (Learn about Stock Markets) . Take a case where you want to invest 10 lacs in\u00a0Equity Mutual<\/p>\n

\"How<\/a><\/p>\n

funds\u00a0and suddenly market crashes for next 2 months, In this case a big chunk of your investment will be lost, on the other hand if market moves up pretty fast, you can make a good profit. Here you have to decide your main focus. If it\u2019s minimizing risk and getting good decent returns in long-term, You should use something called\u00a0Systematic Transfer Plan<\/strong>\u00a0(STP) .<\/p>\n

Works as SIP<\/strong>\u00a0: You can invest in a Debt funds and from there you can start a STP to an Equity Fund , so it works like a systematic Investment Plan (SIP) .<\/p>\n

Works as SWP :<\/strong>\u00a0So STP can also work like SWP, because with some funds you can do transfer from Equity funds to Debt Funds, so when markets look risky to you, you can start a STP from Equity -> Debt funds, which will act like SWP .
<\/strong><\/p>\n

Liquidity :\u00a0<\/strong>Generally one does STP from Debt -> Equity funds, so your money is invested in Debt fund. This means you can sell it anytime if you want. Hence it works like a Emergency Fund also. Incase you need money urgently, it can act like a liquid asset (at least for the time being in the start when you have more money in Debt fund)
<\/strong><\/p>\n

Growth in Money :\u00a0<\/strong>Not to forget that your money is invested in Debt funds, so your money is also growing at debt returns , at least the part which is lying in the debt funds .<\/p>\n

\n

Apply for Mutual Funds Analyst Certification Now!!<\/h3>\n

https:\/\/www.vskills.in\/certification\/mutual-funds-analyst<\/a><\/p>\n

Back to Tutorial<\/strong><\/a><\/h4>\n<\/div>","protected":false},"excerpt":{"rendered":"

Systematic Transfer Plan Imagine a scenario when you want to invest a big lump sum amount in stock market ? As markets are volatile and can go up or down very soon , there is always risk of loosing a big chunk of your investment (Learn about Stock Markets) . 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