Rytvae Consulting · Think Right · Invest Right
STP Calculator
Result
Chart
Show formula & working
Each month: transfer the fixed amount from source to target (until the source runs out), then source grows at rs ÷ 12 and target at rt ÷ 12
Details
How this works
An STP parks a lumpsum in one fund and moves a fixed amount to another fund every month. It spreads entry over time, which reduces the risk of investing everything just before a fall.
With steady assumed returns the calculation cannot show that benefit — real markets move, which is the point of an STP.
Frequently asked questions
Is an STP a tax event?
Yes — each transfer is a redemption from the source fund, so capital-gains tax and any exit load can apply.
How long should an STP run?
Commonly six to eighteen months; it depends on your comfort with timing risk.