STP with Annual Increase

Total Initial Investment Amount STP Period No of Installments Total Amount Transferred Total No. Units Remaining Value as on Mon Jul 11 00:00:00 IST 2022 Current Value as on Fri Sep 09 00:00:00 IST 2022 Profit Returns (%)
1,000,000 11-09-2019 to 11-09-2022 18 111,600 18,500.85 1,359,609 1,472,668 584,268 12.61

STP - Transferee Scheme : Mirae Asset Cash Mngmt Gr

STP Period No of Installments Total Amount Invested Total No. Units Accumulated Value as on Mon Jul 11 00:00:00 IST 2022 Current Value as on Sun Sep 11 00:00:00 IST 2022 Profit Returns (%)
11-09-2019 to 11-09-2022 18 111,600 52.35 1,591,053 118,385 6,785 3.84

STP - Total Returns:

Total Investment Amount Total Current Value Total Profit Total Returns (%)
1,000,000 1,591,053 591,053 12.3

Mirae Asset Large Cap Gr

Nav Date Nav Units Cumulative Units Cash Flow Net Amount Capital Gain/Loss No. of Days
(Invested)
Current Value
11-09-2018 49.179 20,333.8823 20,333.8823 1,000,000 1,000,000 1,000,000
11-09-2019 49.343 121.5978 20,212.2846 -6,000 994,000 19.94 365 997,335
11-11-2019 53.209 112.7629 20,099.5217 -6,000 988,000 454.43 426 1,069,475
13-01-2020 54.925 109.2399 19,990.2818 -6,000 982,000 627.69 489 1,097,966
11-03-2020 47.468 126.4009 19,863.8809 -6,000 976,000 -216.27 547 942,899
11-05-2020 41.511 144.54 19,719.3409 -6,000 970,000 -1,108.33 608 818,570
13-07-2020 48.474 123.7777 19,595.5632 -6,000 964,000 -87.26 671 949,875
11-09-2020 52.231 114.8743 19,480.6889 -6,000 958,000 350.6 731 1,017,496
11-11-2020 56.929 105.3944 19,375.2944 -6,000 952,000 816.81 792 1,103,016
11-01-2021 64.305 93.3053 19,281.9891 -6,000 946,000 1,411.34 853 1,239,928
12-03-2021 67.002 89.5496 19,192.4395 -6,000 940,000 1,596.04 913 1,285,932
11-05-2021 66.141 90.7153 19,101.7242 -6,000 934,000 1,538.71 973 1,263,407
12-07-2021 71.647 83.7439 19,017.9803 -6,000 928,000 1,881.56 1,035 1,362,581
13-09-2021 78.624 83.9438 18,934.0365 -6,600 921,400 2,471.73 1,098 1,488,670
11-11-2021 81.196 81.2848 18,852.7517 -6,600 914,800 2,602.5 1,157 1,530,768
11-01-2022 81.483 80.9985 18,771.7532 -6,600 908,200 2,616.58 1,218 1,529,579
11-03-2022 74.195 88.9548 18,682.7984 -6,600 901,600 2,225.29 1,277 1,386,170
11-05-2022 71.63 92.1402 18,590.6582 -6,600 895,000 2,068.64 1,338 1,331,649
11-07-2022 73.489 89.8094 18,500.8489 -6,600 888,400 2,183.27 1,399 1,359,609

Mirae Asset Cash Mngmt Gr

Nav Date Nav Units Cumulative Units Cash Flow Amount Current Value
11-09-2019 2008.7594 2.9869 2.9869 6,000 6,000 6,000
11-11-2019 2027.0497 2.96 5.9469 6,000 12,000 12,055
12-01-2020 2044.8743 2.9342 8.8811 6,000 18,000 18,161
11-03-2020 2062.4531 2.9092 11.7902 6,000 24,000 24,317
11-05-2020 2081.3611 2.8827 14.6729 6,000 30,000 30,540
12-07-2020 2095.0497 2.8639 17.5368 6,000 36,000 36,741
11-09-2020 2106.0611 2.8489 20.3858 6,000 42,000 42,934
11-11-2020 2117.8326 2.8331 23.2188 6,000 48,000 49,174
11-01-2021 2128.5215 2.8189 26.0377 6,000 54,000 55,422
11-03-2021 2139.6459 2.8042 28.8419 6,000 60,000 61,711
11-05-2021 2151.4655 2.7888 31.6307 6,000 66,000 68,052
11-07-2021 2163.3275 2.7735 34.4042 6,000 72,000 74,428
12-09-2021 2175.6887 3.0335 37.4377 6,600 78,600 81,453
11-11-2021 2187.0179 3.0178 40.4555 6,600 85,200 88,477
11-01-2022 2199.5051 3.0007 43.4562 6,600 91,800 95,582
11-03-2022 2211.616 2.9842 46.4404 6,600 98,400 102,708
11-05-2022 2224.7741 2.9666 49.407 6,600 105,000 109,920
11-07-2022 2242.0063 2.9438 52.3508 6,600 111,600 117,371

Mutual Fund Investors are aware about Systematic Transfer Plan or STP as it is known popularly. What is STP and how it works can be read here Thinking of Lumpsum investments in mutual funds: What about STP . In a normal STP, generally investors can transfer a fixed amount at a fixed frequency from one scheme to another over a period of time. Investors may also be aware that through STP, you can also transfer only the profits made on your investments in a mutual fund scheme to another of the same AMC. For example you have invested in an equity fund and given a mandate to the AMC to transfer the profits, if any, after a period of time at certain intervals. The AMC will check if you have profits in your equity fund and transfer only the profit amount to another scheme which you have chosen while giving the above mandate. The tool Mutual Fund STP Calculator Profit Transfer helps you understand this better.

However, we can try another innovative way of doing STP You can call it STP with Annual increase. The concept is that you can decide to increase the STP amount annually by a certain percentage / or by increasing the fixed amount. This helps you increase the allocation to the transferee every year and benefit by rupee cost averaging. But most of the AMCs do not provide this facility through a standard product. Therefore, if you want to use this innovative option, you should give STP mandate annually by increasing the amount to the extent you want. You can back test the results, by selecting an equity/ hybrid or any aggressive scheme of your choice, input the lump sum investment amount, select the to/ from dates, frequency in which you want to do the STP and a scheme (preferably an aggressive fund) from the same AMC and select the annual increase percentage. You will get the results along with detailed cash flow, returns in XIRR Percentage and the STP amounts which are transferred to the other scheme every month and how it increases every year to the extent of increase you opted for. This method of STP is ideal for investors who want not only a sustainable transfer from their investments but also want to increase their allocation to riskier funds gradually. To get the best results, it is suggested to start with a small STP amount and gradually increase it over the months/ years.

大圣电竞数据APP v2.3 develops innovative mutual fund research tools and Calculators that may help you in your investments. Mutual Fund Distributors who wish to display MF Research and calculators on their website may write to sales@advisorkhoj.com for APIs.

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