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STP with Annual Increase

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STP - Transferor Scheme : Mirae Asset Large Cap Gr

Total Initial Investment Amount STP Period No of Installments Total Amount Transferred Total No. Units Remaining Value as on Mon Dec 05 00:00:00 IST 2022 Current Value as on Fri Feb 03 00:00:00 IST 2023 Profit Returns (%)
1,000,000 04-02-2014 to 04-02-2023 54 381,600 44,564.6 3,696,054 3,522,342 2,903,942 15.67

STP - Transferee Scheme : Mirae Asset Cash Mngmt Gr

STP Period No of Installments Total Amount Invested Total No. Units Accumulated Value as on Sun Dec 04 00:00:00 IST 2022 Current Value as on Sun Feb 05 00:00:00 IST 2023 Profit Returns (%)
04-02-2014 to 04-02-2023 54 381,600 208.78 4,006,256 483,914 102,314 5.44

STP - Total Returns:

Total Investment Amount Total Current Value Total Profit Total Returns (%)
1,000,000 4,006,256 3,006,256 14.87

Mirae Asset Large Cap Gr

Nav Date Nav Units Cumulative Units Cash Flow Net Amount Capital Gain/Loss No. of Days
(Invested)
Current Value
04-02-2013 18.78 53,248.1363 53,248.1363 1,000,000 1,000,000 0 0 1,000,000
04-02-2014 19.616 305.8728 52,942.2636 -6,000 994,000 255.71 365 1,038,515
04-04-2014 22.079 271.7514 52,670.5121 -6,000 988,000 896.51 424 1,162,912
04-06-2014 25.482 235.4603 52,435.0518 -6,000 982,000 1,578.06 485 1,336,150
04-08-2014 26.934 222.7668 52,212.285 -6,000 976,000 1,816.44 546 1,406,286
07-10-2014 28.652 209.4095 52,002.8756 -6,000 970,000 2,067.29 610 1,489,986
04-12-2014 31.591 189.9275 51,812.9481 -6,000 964,000 2,433.16 668 1,636,823
04-02-2015 32.536 184.4111 51,628.5369 -6,000 958,000 2,536.76 730 1,679,786
06-04-2015 33.09 181.3237 51,447.2133 -6,000 952,000 2,594.74 791 1,702,388
04-06-2015 31.379 191.2107 51,256.0026 -6,000 946,000 2,409.06 850 1,608,362
04-08-2015 33.968 176.6368 51,079.3658 -6,000 940,000 2,682.76 911 1,735,064
05-10-2015 32.63 183.8799 50,895.4859 -6,000 934,000 2,546.74 973 1,660,720
04-12-2015 31.601 189.8674 50,705.6185 -6,000 928,000 2,434.29 1,033 1,602,348
04-02-2016 29.536 223.4561 50,482.1624 -6,600 921,400 2,403.49 1,095 1,491,041
04-04-2016 31.139 211.9529 50,270.2095 -6,600 914,800 2,619.53 1,155 1,565,364
06-06-2016 33.301 198.1922 50,072.0173 -6,600 908,200 2,877.95 1,218 1,667,448
04-08-2016 35.553 185.6383 49,886.3789 -6,600 901,600 3,113.71 1,277 1,773,610
04-10-2016 37.354 176.6879 49,709.691 -6,600 895,000 3,281.8 1,338 1,856,856
05-12-2016 34.812 189.5898 49,520.1012 -6,600 888,400 3,039.5 1,400 1,723,894
06-02-2017 38.077 173.333 49,346.7682 -6,600 881,800 3,344.81 1,463 1,878,977
05-04-2017 40.274 163.8774 49,182.8908 -6,600 875,200 3,522.38 1,521 1,980,792
05-06-2017 42.571 155.0351 49,027.8557 -6,600 868,600 3,688.44 1,582 2,087,165
04-08-2017 44.819 147.259 48,880.5967 -6,600 862,000 3,834.48 1,642 2,190,779
04-10-2017 44.713 147.6081 48,732.9886 -6,600 855,400 3,827.92 1,703 2,178,998
04-12-2017 46.293 142.5702 48,590.4185 -6,600 848,800 3,922.53 1,764 2,249,396
05-02-2018 47.612 151.2224 48,439.1961 -7,200 841,600 4,360.04 1,827 2,306,287
04-04-2018 45.101 159.6417 48,279.5544 -7,200 834,400 4,201.93 1,885 2,177,456
04-06-2018 46.39 155.2059 48,124.3485 -7,200 827,200 4,285.23 1,946 2,232,489
06-08-2018 49.411 145.7165 47,978.632 -7,200 820,000 4,463.44 2,009 2,370,672
04-10-2018 46.144 156.0333 47,822.5987 -7,200 812,800 4,269.69 2,068 2,206,726
04-12-2018 48.095 149.7037 47,672.895 -7,200 805,600 4,388.56 2,129 2,292,828
04-02-2019 48.023 149.9282 47,522.9668 -7,200 798,400 4,384.35 2,191 2,282,195
04-04-2019 50.883 141.5011 47,381.4657 -7,200 791,200 4,542.61 2,250 2,410,911
04-06-2019 52.778 136.4205 47,245.0453 -7,200 784,000 4,638.02 2,311 2,493,499
05-08-2019 48.308 149.0436 47,096.0016 -7,200 776,800 4,400.96 2,373 2,275,114
04-10-2019 49.448 145.6075 46,950.3941 -7,200 769,600 4,465.49 2,433 2,321,603
04-12-2019 53.765 133.9161 46,816.478 -7,200 762,400 4,685.06 2,494 2,517,088
04-02-2020 53.398 146.0729 46,670.4051 -7,800 754,600 5,056.75 2,556 2,492,106
07-04-2020 39.753 196.2116 46,474.1935 -7,800 746,800 4,115.15 2,619 1,847,489
04-06-2020 44.675 174.5943 46,299.5992 -7,800 739,000 4,521.12 2,677 2,068,435
04-08-2020 50.109 155.6607 46,143.9386 -7,800 731,200 4,876.69 2,738 2,312,227
05-10-2020 52.293 149.1595 45,994.779 -7,800 723,400 4,998.78 2,800 2,405,205
04-12-2020 58.964 132.2841 45,862.4949 -7,800 715,600 5,315.7 2,860 2,704,236
04-02-2021 66.309 117.6311 45,744.8638 -7,800 707,800 5,590.89 2,922 3,033,296
05-04-2021 65.17 119.687 45,625.1769 -7,800 700,000 5,552.28 2,982 2,973,393
04-06-2021 69.74 111.844 45,513.3329 -7,800 692,200 5,699.57 3,042 3,174,100
04-08-2021 74.162 105.1752 45,408.1577 -7,800 684,400 5,824.81 3,103 3,367,560
04-10-2021 79.905 97.6159 45,310.5418 -7,800 676,600 5,966.77 3,164 3,620,539
06-12-2021 76.452 102.0248 45,208.517 -7,800 668,800 5,883.97 3,227 3,456,282
04-02-2022 79.041 106.274 45,102.243 -8,400 660,400 6,404.18 3,287 3,564,926
04-04-2022 79.545 105.6006 44,996.6424 -8,400 652,000 6,416.82 3,346 3,579,258
06-06-2022 73.781 113.8504 44,882.792 -8,400 643,600 6,261.89 3,409 3,311,497
04-08-2022 77.349 108.5987 44,774.1933 -8,400 635,200 6,360.52 3,468 3,463,239
04-10-2022 77.555 108.3102 44,665.8831 -8,400 626,800 6,365.93 3,529 3,464,063
05-12-2022 82.937 101.2817 44,564.6014 -8,400 618,400 6,497.93 3,591 3,696,054

Mirae Asset Cash Mngmt Gr

Nav Date Nav Units Cumulative Units Cash Flow Amount Current Value
04-02-2014 1343.2595 4.4667 4.4667 6,000 6,000 6,000
04-04-2014 1362.1809 4.4047 8.8714 6,000 12,000 12,085
04-06-2014 1382.3161 4.3405 13.212 6,000 18,000 18,263
04-08-2014 1401.603 4.2808 17.4928 6,000 24,000 24,518
06-10-2014 1422.078 4.2192 21.712 6,000 30,000 30,876
04-12-2014 1440.319 4.1657 25.8777 6,000 36,000 37,272
04-02-2015 1459.2256 4.1118 29.9895 6,000 42,000 43,761
05-04-2015 1479.3115 4.0559 34.0454 6,000 48,000 50,364
04-06-2015 1499.3616 4.0017 38.0471 6,000 54,000 57,046
04-08-2015 1519.2698 3.9493 41.9964 6,000 60,000 63,804
04-10-2015 1536.3393 3.9054 45.9018 6,000 66,000 70,521
04-12-2015 1552.9978 3.8635 49.7653 6,000 72,000 77,285
04-02-2016 1571.6016 4.1995 53.9648 6,600 78,600 84,811
04-04-2016 1591.3283 4.1475 58.1123 6,600 85,200 92,476
05-06-2016 1611.429 4.0957 62.208 6,600 91,800 100,244
04-08-2016 1630.2969 4.0483 66.2564 6,600 98,400 108,018
04-10-2016 1648.2466 4.0043 70.2606 6,600 105,000 115,807
04-12-2016 1666.1192 3.9613 74.2219 6,600 111,600 123,663
05-02-2017 1684.2791 3.9186 78.1405 6,600 118,200 131,610
04-04-2017 1701.4135 3.8791 82.0197 6,600 124,800 139,549
04-06-2017 1719.5967 3.8381 85.8578 6,600 131,400 147,641
04-08-2017 1738.465 3.7965 89.6542 6,600 138,000 155,861
04-10-2017 1757.2155 3.7559 93.4102 6,600 144,600 164,142
04-12-2017 1775.963 3.7163 97.1265 6,600 151,200 172,493
04-02-2018 1795.5963 4.0098 101.1363 7,200 158,400 181,600
04-04-2018 1816.1614 3.9644 105.1007 7,200 165,600 190,880
04-06-2018 1836.9287 3.9196 109.0203 7,200 172,800 200,262
05-08-2018 1860.2374 3.8705 112.8907 7,200 180,000 210,004
04-10-2018 1881.7979 3.8261 116.7169 7,200 187,200 219,638
04-12-2018 1905.3525 3.7788 120.4957 7,200 194,400 229,587
04-02-2019 1928.55 3.7334 124.2291 7,200 201,600 239,582
04-04-2019 1951.9454 3.6886 127.9177 7,200 208,800 249,688
04-06-2019 1975.1034 3.6454 131.5631 7,200 216,000 259,851
04-08-2019 1996.7806 3.6058 135.1689 7,200 223,200 269,903
04-10-2019 2015.8534 3.5717 138.7406 7,200 230,400 279,681
04-12-2019 2033.8817 3.54 142.2806 7,200 237,600 289,382
04-02-2020 2051.4233 3.8022 146.0828 7,800 245,400 299,678
06-04-2020 2071.9587 3.7646 149.8474 7,800 253,200 310,478
04-06-2020 2087.1811 3.7371 153.5845 7,800 261,000 320,559
04-08-2020 2099.0688 3.7159 157.3004 7,800 268,800 330,184
04-10-2020 2110.7904 3.6953 160.9957 7,800 276,600 339,828
04-12-2020 2121.8924 3.676 164.6717 7,800 284,400 349,416
04-02-2021 2133.1372 3.6566 168.3283 7,800 292,200 359,067
04-04-2021 2144.5616 3.6371 171.9654 7,800 300,000 368,790
04-06-2021 2156.0982 3.6176 175.583 7,800 307,800 378,574
04-08-2021 2168.112 3.5976 179.1806 7,800 315,600 388,484
04-10-2021 2179.6206 3.5786 182.7592 7,800 323,400 398,346
05-12-2021 2191.8921 3.5586 186.3178 7,800 331,200 408,388
04-02-2022 2204.1979 3.8109 190.1287 8,400 339,600 419,081
04-04-2022 2217.3836 3.7882 193.917 8,400 348,000 429,988
05-06-2022 2231.4904 3.7643 197.6813 8,400 356,400 441,124
04-08-2022 2248.7841 3.7354 201.4166 8,400 364,800 452,942
04-10-2022 2269.1327 3.7019 205.1185 8,400 373,200 465,441
04-12-2022 2292.0812 3.6648 208.7833 8,400 381,600 478,548

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.

Advisorkhoj 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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