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Ab, isko thoda detail mein dekhte hain. Imagine karo ki aapke paas ek large-cap fund mein ek badi amount hai, aur aap chahte hain ki kuch hissa mid-cap ya small-cap funds mein transfer ho jaye, kyunki aapko lagta hai ki wahan growth ki potential zyada hai. Lekin, aap market ki volatility se bhi bachna chahte hain. **STP** yahaan kaam aata hai. Aap ek STP set kar sakte hain, jo aapke large-cap fund se ek specific amount ya number of units ko har mahine, ya har quarter, mid-cap ya small-cap fund mein transfer karega. Isse, aap **market timing** ki zaroorat ko avoid kar sakte hain, kyunki aapke transfers **automatically** hote rahenge, chahe market upar jaye ya neeche.
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