This ppt gives a brief on Systematic Transfer Plan as well as Systematic Withdrawal Plan with Case study.

1. AN INSIGHT INTO
STP & SWP
ET FINPRO

2. 1 KALLAL CHAKRABORTY
SUDIPTA CHATTOPADHYAY
NILADRI BHATTACHARYA
SOUMITA CHAKRABORTY
IMRAN RAHAMAN
2
3
4
5
OUR TEAMSTP & SWP

3. Welcome
Introduction
STP and SWP in a nutshell.
AREAS OF WORK

4. Breif
Breif of STP and SWP
Analysis
Porfile analysis of first time
investor.
Benefits
Benefits of SWP and STP
Why and when
Why and when for STP and SWP

5. Conclusion
All concepts in a summery
Bibliography & Thank you
Information gathering sources
Thanks giving.

6. Systematic Withdrawal Plan
Allows investor to withdraw a designated sum of money from a fund at regular interval.

7. 2 31
EQUITY GROWTH MONTHLY INCOMEINVEST
.
BALANCE FUNDSYSTEMATIC WITHDRAWAL FUND

8. ₹10,00,000
Fixed withdrawal and
deposit into a/c-₹5000
p.m.
Profit on investment
(month 1)- ₹8600
Profit on
investment(month 2)-
₹8100
In case the investment into equity hybrid fund is unable to generate a profit equal too the fixed promised
amount the deficit is fulfilled by withdrawing more units from the capital invested in the principal fund.
Mr . Anil’s corpus on retirement
SAMPLE CUSTOMER STUDY
SYSTEMATIC WITHDRAWAL PLAN

9. SWP AND IMPACT ON FUND VALUEGUESS THE FUND VALUE AFTER SWP?
3
Phenomenon whereby something new and
somehow valuable
INVESTMENT 1
• Fund NAV = Rs 21
• SWP Amount = Rs 5000
SITUATION 2 (Market Rise)
2
1
• Fund NAV = Rs 19
• SWP Amount = Rs 5000
SITUATION 3 (Market Falls)
• Fund Value = 25,000 Units x Rs 20
• SWP Amount = Rs 5000
SITUATION 1 (SWP Initiation)

10. S
W
P
TYPESSYSTEMATIC WITHDRAWAL PLAN
APPRICIATION
WITHDRAWAL
FIXED
WITHDRAWAL

11. ADVANTAGESSYSTEMATIC WITHDRAWAL PLAN
TAX
AVERAGINGFIXED INCOME
.
TAX
ADVANTAGE
INVESTOR LOOKING
FOR FIXED INCOME
RUPEE – COST
AVERAGING

12. WHENSYSTEMATIC WITHDRAWAL PLAN
PROFESSIONAL/
BUSINESSMAN02
SABBATICAL LEAVE03
RETIREMENT 01

13. WHYSYSTEMATIC WITHDRAWAL PLAN
LOWERED RISK
01
03
02
BEST SUBSTITUTE FOR PENSION
BETTER RETURNS

14. Systematic Transfer Plan
Where an investor able to invest lump sum amount in a scheme and
regularly transferred fixed or variable amount into another scheme.
.

15. Transfer 1
Transfer 2
Transfer 3
Transfer n
Value in fund A
decreasing over
time
Value in fund
increasing over
time
Fund A Fund B
HOW STP WORKS

16. ₹10,00,000
₹10,000 p.m.SCHEME A
[DEBT FUND]
SCHEME B
[EQUITY FUND]
Rising Market Scenario
SAMPLE CUSTOMER STUDY
SYSTEMATIC TRANSFER PLAN

17. SCHEME A
[DEBT FUND]
SCHEME B
[EQUITY FUND]
Falling Market Scenario
₹10,00,000
₹10,000 p.m.
Thus Mr. Anil Das can receive a lump sum of money against his pre-invested INR 10,00,000/-

18. TYPESSYSTEMATIC TRANSFER PLAN
Fixed STP
Flexi STP
Capital Appreciation

19. PortfolioReturn Tax
CONSISTENT
RETURNS
REBALANCING
PORTFOLIO
TAX SAVING
ADVANTAGESSYSTEMATIC TRANSFER PLAN

20. WhenWhy
WHY & WHENSYSTEMATIC TRANSFER PLAN
 The investor wants to stay fully invested.
 The investor wants to undertake
moderate risk.
 The investor wants higher returns than
simple FDs.
 Avoid market volatility.
 Better returns than savings a/c and then
doing SIP

21. IDEAL
Long term Systematic Investments
such as STP and SWP is ideal to
create such wealth
MEANT
STP and SWP is meant for
customers with lump sum of
huge corpus
TAX
This type of schemes
also provide tax relief
to the investors.
INVEST
Investor need to save
regularly and invest those
savings in higher return
assets to create wealth
SUMMARYSTP & SWP

22. Wikipedia2 Personal Survey3Google & YouTube1
BIBLIOGRAPHYSTP & SWP

23. THANK YOU