5 Benefits of Systematic Transfer Plan (STP)

  1. Market Volatility Protection: STP shields your investments from market fluctuations by transferring a fixed amount at regular intervals.
  2. Rupee Cost Averaging and Growth: STP enables rupee cost averaging, potentially leading to higher returns over the long term.
  3. Effective Risk Management: STP manages risk by transferring funds between asset classes, reducing exposure to market downturns.
  4. Portfolio Rebalancing: STP allows flexible portfolio rebalancing, ensuring alignment with your investment objectives.
  5. Emotion-Free Investing: Auto-transfers in STP eliminate emotional biases, promoting disciplined investing.

What is STP?

STP is a convenient tool for transferring a fixed amount at regular intervals from one fund to another, helping you maximize your investments.

Important Note

Mutual Fund Investments are subject to market risks. Please consult with a financial advisor before making investment decisions.

Systematic Withdrawal Plan (SWP): A Regular Income Stream

A Systematic Withdrawal Plan (SWP) allows investors to withdraw a fixed amount at regular intervals, providing a steady income stream.

How SWP Works:

  • Investors set a fixed amount for withdrawal at regular intervals (e.g., monthly).
  • The amount is withdrawn from the investment portfolio.
  • Withdrawals can be made at fixed intervals (e.g., monthly, quarterly).

Benefits of SWP:

  • Retirement Income: SWP provides a regular income stream in retirement.
  • Financial Goal Achievement: SWP helps create cash or equivalent as the portfolio approaches a financial goal.
  • Disciplined Withdrawals: SWP promotes disciplined withdrawals, avoiding emotional decisions based on market volatility.

In Summary:

SWP is a valuable facility for investors seeking regular income or wanting to create cash as they approach their financial goals, while mitigating emotional decision-making. However, it's crucial to understand the associated market risks and carefully review scheme documents before investing.

Important Notes:

  • Market Risks: Mutual Fund investments are subject to market risks.
  • Scheme Documents: Read all scheme-related documents carefully before investing.

Benefits of SIP (Systematic Investment Plan)

  • Disciplined Investing: SIP encourages regular investing, helping you develop a disciplined approach to wealth creation.
  • Rupee Cost Averaging: SIP helps you invest a fixed amount regularly, reducing the impact of market volatility.
  • Long-term Wealth Creation: SIP is designed for long-term investing, helping you build wealth over time.
  • Flexibility: SIP offers flexible investment options, allowing you to adjust your investment amount or frequency.
  • Low Minimum Investment: SIP typically requires a low minimum investment, making it accessible to all investors.
  • Power of Compounding: SIP helps you harness the power of compounding, growing your wealth exponentially.
  • Diversification: SIP allows you to diversify your portfolio by investing in various assets or funds.
  • Convenience: SIP offers a hassle-free investment experience, with automatic transfers and updates.
  • Tax Benefits: SIP investments may offer tax benefits, such as deductions or exemptions, depending on the scheme.
  • Professional Management: SIP investments are often managed by experienced professionals, ensuring your money is in good hands.

Remember, SIP is a powerful investment tool that can help you achieve your financial goals with discipline and patience!

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Disclaimer: Mutual fund investments are subject to market risks. Please read the scheme information and other related documents carefully before investing. Past performance is not indicative of future returns. Please consider your specific investment requirements before choosing a fund, or designing a portfolio that suits your needs.

OM Sai Finvest Distributors LLP. makes no warranties or representations, express or implied, on products offered through the platform of OM Sai Finvest Distributors LLP.. It accepts no liability for any damages or losses, however, caused, in connection with the use of, or on the reliance of its product or related services. Terms and conditions of the website are applicable. Investments in Securities markets are subject to market risks, read all the related documents carefully before investing.

The information set out above is included for general information purposes only and does not constitute legal or tax advice. In view of the individual nature of the tax consequences, each investor is advised to consult his or her own tax consultant with respect to specific tax implications arising out of their participation in the Scheme. Income Tax benefits to the mutual fund & to the unit holder is in accordance with the prevailing tax laws. Any action taken by you on the basis of the information contained herein is your responsibility alone. Omsai Finvest Distributors LLP Mutual Fund will not be liable in any manner for the consequences of such action taken by you.

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Mutual Fund Investments are subject to market risks. Please read all scheme related documents carefully before investing. The user is required to undergo risk profiling before investing. MF Investments are not guaranteed or assured return products and that the principal amount may be exposed to be risk of loss.

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