Part 3: When is STP Better than SIP or Lump Sum?

- When to choose STP?
 You received a large sum (bonus, property sale, inheritance)
 You want to enter equities cautiously
 You already have money in a debt fund and want long-term growth - When NOT ideal:
 If you plan to invest small amounts monthly — go for a SIP instead
 If the market is clearly undervalued — lump sum may work better 💡 Investor Insight:
 Ajay got ₹15 lakhs as retirement corpus. Instead of directly investing in volatile equity funds, he used STP over 18 months. His portfolio saw lower drawdowns compared to his friend who invested the entire amount in one go right before a market correction.