Five ways to invest. The right one depends on your cash flow.

A plan is not a scheme name. It is a decision about how money enters the market, at what pace, and how it leaves again. These are the structures we use most. Structures we set up for clients from our Surat office and online across India.

Structures

Plan structures

SIP A fixed amount invested every month. Suits a salary cycle, needs no market view, and averages your entry price over time.

Step-Up SIP A SIP that increases annually by a fixed amount or percentage, so your investing keeps pace with your income.

Lumpsum A single deployment of an existing corpus. The full amount begins compounding at once, and carries full entry-timing risk.

Systematic Transfer A lumpsum parked in a liquid or short-duration fund and moved into equity in monthly tranches, reducing timing risk.

Systematic Withdrawal A fixed monthly withdrawal from a built corpus, while the remaining balance stays invested.

Selection

Choosing between them

The question is rarely which plan performs best. It is which plan you can sustain, given how your money actually arrives.

Situation	Usual structure	Why
Monthly salary, long horizon	SIP or Step-Up SIP	Matches cash flow and removes the need to time entry
Bonus, maturity or sale proceeds	STP, sometimes lumpsum	Staggered entry limits the damage of one bad entry date
Retired, needs monthly income	SWP	Regular withdrawal while the balance continues to work
Goal under three years	Debt or hybrid, not equity	Too little time to recover from a market fall

This table is a starting point, not a recommendation. Suitability depends on your full situation.

Model it yourself

Every structure above has a calculator

Enter your own amount and horizon before you decide. The output is yours to keep as a PDF.

Open the calculators

Which structure fits your cash flow?

Tell us how your money arrives and we will suggest a structure you can actually sustain.

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