Part 2: STP in Action — Lump Sum to Monthly Investment Strategy

How STP works practically: * Invest ₹10 lakhs in a low-risk debt/liquid fund * Set up a monthly STP of ₹83,000 into an equity mutual fund for the next 12 months 🔍 Real example:
Neha, a 38-year-old working professional, got her annual bonus of ₹6 lakhs. She wants to invest in equities but is wary of market highs. Instead of a SIP or lump sum, she starts a 6-month STP: * ₹6 lakhs in HDFC Liquid Fund * Monthly STP of ₹1 lakh into Mirae Asset Large Cap Fund 📈 Over time, she benefits from: * Market dips (buying more units) * Steady equity exposure * No emotional decision-making