Answer transcript: To invest a large sum of accumulated corpus, it is advisable to spread it over 3 years to invest in equity mutual funds. This will ensure that you capture a reasonable market cycle. This is primarily to reduce the substantial risk of capturing a market high for your accumulation. Decide to invest in 2 equity funds, and invest the lump sum in 1 or 2 short term debt fund of the same fund family and set up STP (Systematic Transfer Plan) to move the amount to equity funds. For example, if you want to invest ₹25 lakh, then divide it by 36 months and set STP (for that amount) to the equity funds.