{"id":183,"date":"2023-11-15T04:00:33","date_gmt":"2023-11-15T04:00:33","guid":{"rendered":"https:\/\/mymoneypanda.in\/blogs\/?p=183"},"modified":"2023-12-21T11:24:56","modified_gmt":"2023-12-21T11:24:56","slug":"what-is-stp-in-mutual-fund","status":"publish","type":"post","link":"https:\/\/mymoneypanda.in\/blogs\/blog\/what-is-stp-in-mutual-fund\/","title":{"rendered":"Understanding STP in Mutual Funds\u00a0"},"content":{"rendered":"\n<p>If you want to make wise investment decisions in equity mutual funds, it&#8217;s important to understand STP, i.e. Systematic Transfer Plan guide is an excellent resource that provides all the necessary information about STP.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_66_1 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/mymoneypanda.in\/blogs\/blog\/what-is-stp-in-mutual-fund\/#What_is_STP_in_Mutual_funds\" title=\"What is STP in Mutual funds?&nbsp;\">What is STP in Mutual funds?&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/mymoneypanda.in\/blogs\/blog\/what-is-stp-in-mutual-fund\/#Differences_Between_SIP_STP\" title=\"Differences Between SIP &amp; STP\">Differences Between SIP &amp; STP<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/mymoneypanda.in\/blogs\/blog\/what-is-stp-in-mutual-fund\/#Systematic_Investment_Plan_SIP\" title=\"Systematic Investment Plan (SIP)\">Systematic Investment Plan (SIP)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/mymoneypanda.in\/blogs\/blog\/what-is-stp-in-mutual-fund\/#Systematic_Transfer_Plan_STP\" title=\"Systematic Transfer Plan (STP)\">Systematic Transfer Plan (STP)<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/mymoneypanda.in\/blogs\/blog\/what-is-stp-in-mutual-fund\/#Points_to_be_Noted_Before_Investing_in_STP\" title=\"Points to be Noted Before Investing in STP\">Points to be Noted Before Investing in STP<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/mymoneypanda.in\/blogs\/blog\/what-is-stp-in-mutual-fund\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/mymoneypanda.in\/blogs\/blog\/what-is-stp-in-mutual-fund\/#Frequently_Asked_Questions\" title=\"Frequently Asked Questions&nbsp;\">Frequently Asked Questions&nbsp;<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_STP_in_Mutual_funds\"><\/span><strong>What is STP in Mutual funds?&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A systematic Transfer Plan (STP) is a strategy that allows investors to transfer money from one mutual fund scheme (usually a debt scheme) to the other mutual fund scheme (usually an equity scheme) on a periodic basis. Smart Investors use the STP option to beat the short-term market volatility, which works in the following way.<\/p>\n\n\n\n<p>Suppose Richa wants to invest Rs. 10 lacs in an Equity Mutual Fund for the long term. But she is not sure about the short-term direction of the equity market. So she deploys the money in a Liquid Fund, which is a debt-based low-risk fund for the purpose of parking the money in the short term. She then avails the weekly STP of Rs. 1 lacs from Liquid Fund to Equity Fund for 10 weeks.<\/p>\n\n\n\n<p>The STP Option allows Richa to systematically move Rs. 1 lacs every week over the next 10 weeks from a Debt Fund (low risk) to an Equity Fund (high risk). This option allows multiple entry points in the equity fund and averages out the purchase cost (i.e. NAV) in the short term. This, in turn, helps Richa to beat short-term market volatility in the equity market.<\/p>\n\n\n\n<p>There is a residual amount (gains in the liquid fund) that is left in the liquid fund after 10 weeks. Hence, Richa can set 1 extra STP so that the residual amount also moves to the equity fund in the 11th week.<\/p>\n\n\n\n<p>Hence, the primary goal of STP is to reduce the risk associated with short-term market fluctuations. STP option can be availed from one scheme to the other scheme within the same mutual fund house only.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Differences_Between_SIP_STP\"><\/span><strong>Differences Between SIP &amp; STP<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>SIP and STP are the two modes of systematic <a href=\"https:\/\/mymoneypanda.in\/blogs\/blog\/mutual-fund-tax-benefit\/\"><strong><em>investments in Mutual Funds<\/em><\/strong><\/a>. Both involve investing, but they serve distinct objectives.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Systematic_Investment_Plan_SIP\"><\/span><strong>Systematic Investment Plan (SIP)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>SIP involves investing a predetermined amount of money at set intervals directly from the customer\u2019s bank account to the mutual fund scheme.<\/p>\n\n\n\n<p>SIP is typically used to save and invest a part of your regular monthly income in a systematic manner. By nature, SIP allows investors to benefit from rupee cost averaging in a volatile market nature.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Systematic_Transfer_Plan_STP\"><\/span><strong>Systematic Transfer Plan (STP)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>STP involves transferring funds from one mutual fund scheme (usually debt fund) to a different mutual fund scheme (usually equity fund) of the same fund house.<\/p>\n\n\n\n<p>STP is typically used to invest the lumpsum money in equity markets in a staggered mode over a set time period. This allows the investors to beat the short-term volatile nature of the market.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Points_to_be_Noted_Before_Investing_in_STP\"><\/span><strong>Points to be Noted Before Investing in STP<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul>\n<li>Keep in mind the risks and fluctuations in the market. STP includes the transfer of assets across schemes; therefore, market knowledge is required.&nbsp;<\/li>\n\n\n\n<li><strong>Minimum Transfers:<\/strong> ensure that you adhere to the minimal transfer standards established by the SEBI regulations and the asset management company (AMC).<\/li>\n\n\n\n<li><strong>Tax Implications:<\/strong> When reclaiming assets, be mindful of any potential tax implications, specifically capital gains tax.<\/li>\n\n\n\n<li><strong>Exit Load: <\/strong>If you quit the plan before a certain period, some funds may charge an exit fee. Be mindful of these fees.<\/li>\n\n\n\n<li><strong>Consistency: <\/strong>When implementing transfers, be consistent. Don&#8217;t interrupt the plan prematurely, as it may affect its effectiveness.<\/li>\n\n\n\n<li><strong>Policies of the AMC: <\/strong>Be sure to update yourself on the particular policies of the AMC providing the STP since they could differ from one another.<\/li>\n\n\n\n<li><strong>Financial Objectives:<\/strong> Check that your investment in STP is in line with your financial objectives and tolerance for risk.<\/li>\n<\/ul>\n\n\n\n<p>Investors should deliberate on these elements and, if required, seek advice from a financial expert before starting an STP investment.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Here is the summary in bullet points on STP investments:<\/p>\n\n\n\n<ul>\n<li>STP, or Systematic Transfer Plan, is an effective approach to beat short-term market volatility for investing in Equity Mutual Funds.<\/li>\n\n\n\n<li>STP permits controlled transfers within the same asset management company between various mutual fund schemes.<\/li>\n\n\n\n<li>The investment horizon, market knowledge, tax consequences, and portfolio strategy are important things to think about. Choosing carefully might lead to the benefits that STP offers. Consult experts at My Money Panda to choose the right investment and STP Plan for you.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span><strong>Frequently Asked Questions&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong><em>1. Is STP better than SIP?<\/em><\/strong><\/p>\n\n\n\n<p>It&#8217;s important to understand that STP and SIP have different roles.<\/p>\n\n\n\n<p><a href=\"https:\/\/mymoneypanda.in\/blogs\/blog\/sip-vs-lumpsum\/\"><strong><em>SIP<\/em><\/strong><\/a> is used to invest your monthly savings on a regular basis in a systematic manner directly. STP is used to invest lump-sum money in a staggered mode to beat out short-term market volatility.<\/p>\n\n\n\n<p><strong><em>2. Who should invest in STP?<\/em><\/strong><\/p>\n\n\n\n<p>Consider using a Systematic Transfer Plan (STP) if the investor has a large sum to invest but wants to avoid market fluctuations. It can help reduce portfolio volatility and lower your risk.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you want to make wise investment decisions in equity mutual funds, it&#8217;s important to understand STP, i.e. Systematic Transfer Plan guide is an excellent resource that provides all the necessary information about STP. What is STP in Mutual funds?&nbsp; A systematic Transfer Plan (STP) is a strategy that allows investors to transfer money from [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":187,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What is STP in Mutual Funds: Types, Benefits &amp; How it Works?<\/title>\n<meta name=\"description\" content=\"STP in mutual funds stands for Systematic Transfer Plan. It allows investors to systematically transfer funds from one to another, thus reducing the risks.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mymoneypanda.in\/blogs\/blog\/what-is-stp-in-mutual-fund\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is STP in Mutual Funds: Types, Benefits &amp; How it Works?\" \/>\n<meta property=\"og:description\" content=\"STP in mutual funds stands for Systematic Transfer Plan. 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