The current turbulent times in the market marked with extreme volatility is unnerving several investors. And if you have lump sum money to be deployed the challenge increases manifold. At such times, the advice provided by experts is to stagger the investment amount by way of Systematic Transfer Plan (STP) rather than opt for one-time investment. In an STP, the investor invests the lump sum amount in a debt or hybrid fund and thereafter provides instruction to the fund house to systematically transfer a fixed sum to an equity fund over a period of time. This arrangement ensures that the base amount does not face undue volatility but at the same time is being invested into equities. Also, the investor gets the benefit of cost averaging.