STP Planner
Simulate how a systematic transfer plan can phase capital from a low-volatility bucket into growth assets.
Yearly STP Timeline
| Year | Cumulative Transfer | Source Balance | Target Balance | Total Corpus |
|---|---|---|---|---|
| 1 | ₹3,00,000 | ₹7,51,747 | ₹3,20,233 | ₹10,71,980 |
| 2 | ₹6,00,000 | ₹4,88,182 | ₹6,81,080 | ₹11,69,262 |
| 3 | ₹9,00,000 | ₹2,08,361 | ₹10,87,691 | ₹12,96,052 |
What Is STP?
A Systematic Transfer Plan shifts money periodically from one fund or asset bucket to another. It is typically used to stagger equity entry from a lump sum.
When It Helps
STP is useful when immediate full deployment feels risky due to valuation or volatility concerns. It reduces entry timing concentration by spreading transfers.
How To Interpret
Check Final Total Corpus and STP vs Direct difference. STP prioritizes risk smoothing, while direct deployment may outperform in strongly rising markets.
Concept Snapshot
This planner assumes periodic transfer from source to target, with independent return assumptions for both buckets. It is for planning and does not account for taxation, exit loads, or transaction frictions.