Unlock ₹80,000/month from your ₹2.5 Cr retirement fund. Yes, it's possible! We'll show you how to set up a sustainable Systematic Withdrawal Plan (SWP).
Systematic Withdrawal Plan (SWP) lets you draw a steady income from your mutual funds. A ₹9.6 lakh annual withdrawal from ₹2.5 Cr is a 3.84% rate. It's absolutely feasible with smart planning!
Your portfolio's **Expected Return** (aim 8-12%), **Inflation** (the silent killer), and **Taxation** (LTCG rules) are critical. Factor them in for a sustainable income stream!
Divide your corpus: Bucket 1 (1-3 yrs expenses) in liquid funds, Bucket 2 (3-7 yrs) in debt/balanced funds, Bucket 3 (7+ yrs) in equity for growth. Rebalance annually!
For Bucket 1: Liquid Funds. For Bucket 2: Short Duration Debt/Balanced Advantage Funds. For Bucket 3: Flexi-Cap/Large-Cap Equities. Diversify for stability and growth!
Don't ignore inflation, over-withdraw early, or lack an emergency buffer. Regular rebalancing is key. Avoid chasing high returns with your core income fund.
A well-planned SWP ensures steady income for decades. Start planning your retirement with confidence. Visit sipplancalculator.in to use our SIP & SWP Calculators!