Lump sum investing with Nico Wealth
Key facts
- A lump sum invests a one-time amount, maximising time in the market from day one.
- Phasing it in through an STP is a common alternative to investing all at once.
- We explain the options and the scheme documents, and complete the paperwork.
- You pay no fee to us; we receive a trail commission from the Asset Management Company.
A larger decision, thought through
A lump sum is a one-time investment of a larger amount, perhaps a bonus, a maturity or a windfall. The main question it raises is whether to invest it all at once or to phase it in, and there is no universal answer, as our SIP vs lump sum page explains.
What we do is help you make that decision with clear eyes: weigh investing at once against phasing in through an STP, match the options to your goal and timeframe, and go through the scheme documents together.
What working with us involves
We will not tell you the "best" fund or promise a number. We help you understand the choices, complete the paperwork correctly, and stay reachable afterwards. That is what a distributor should do.
You pay us no fee. We are paid a trail commission by the Asset Management Company under the Regular Plan, set out on our commission and conflict of interest page.
The honest risk
Investing a lump sum at once maximises time in the market, but it concentrates timing risk: a fall soon after can sting, even if the long run recovers. Phasing in softens that but can lag a rising market. We will be straight about the trade-off.
If you have a lump sum to put to work, talk to us.
Frequently asked questions
Should I invest my lump sum all at once or gradually?
It depends on your comfort and timeframe. Investing at once maximises time in the market; phasing in through an STP spreads timing risk. Neither is guaranteed to do better. We will lay out both honestly and help you decide, rather than push one.
How does Nico Wealth help with a lump sum?
We help you weigh whether to invest at once or phase it in, understand which options suit your goal, read the scheme documents, and complete the paperwork. We do not promise returns or pick the "best" fund; the aim is a decision you understand.
Is there a fee for this help?
No direct fee to you. We are paid a trail commission by the Asset Management Company under the Regular Plan, disclosed in full. It is part of the scheme's expense ratio, not an added charge.
The information on this website is general and educational. It is not financial, tax, or legal advice, and not a recommendation for your situation. We try to keep it accurate and up to date, but it may contain errors or become outdated. Please verify important details from official sources, and consider your own circumstances, before acting.
Sources
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