04 STP Calculator
Move capital from one fund to another.
A systematic transfer plan stages a lump sum out of one fund and into another, month by month. Watch the source drain as the target fills.
Combined value at the horizon
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Source remaining
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Target value
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Total transferred
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How to read this tool What each input changes
An STP stages a lump sum out of one fund and into another, month by month. Money keeps earning in the source fund while it waits its turn to move.
- Lump sum parked
- The amount you place in the source fund to begin with. It funds every transfer that follows.
- Source fund return
- The yearly growth on money still waiting in the source, usually a safer, lower-return fund.
- Monthly transfer
- How much moves into the target fund each month. Larger transfers empty the source sooner.
- Transfer period
- How long the staging runs. A longer schedule keeps more money earning the source rate before it switches across.
- Target fund return
- The yearly growth on money once it has arrived in the target, usually the higher-return fund you are moving toward.
Disclaimer
For illustrative purposes only. Mutual fund investments are subject to market risks. Past returns do not guarantee future performance. This tool does not constitute investment advice.