You've built a ₹1.5 Crore corpus. Now, make it work for you! Discover the smartest SWP strategy to generate a steady ₹60,000 monthly income sustainably.
A Systematic Withdrawal Plan (SWP) is like reverse SIP. Aiming for ₹60,000/month from ₹1.5 Cr means a 4.8% annual withdrawal rate. Understand this crucial benchmark!
Balance growth & stability! Mix Hybrid Funds (50-60%), Debt Funds (20-30%) for a buffer, and Equity Funds (10-20%) for long-term growth. Preserve capital, manage risk.
Don't let inflation erode your income! Use Step-Up SWP, periodically review & increase withdrawals, or reinvest a 'slice' of returns to maintain purchasing power.
Keep 12-18 months' SWP amount in debt funds as a buffer. Withdraw from debt during market dips, giving equity time to recover. Review, don't panic!
Don't withdraw too much, ignore inflation, or skip an emergency fund. Avoid all-equity/debt portfolios. Review your plan regularly to succeed long-term.
Plan your wealth journey! Use our Goal SIP & SWP calculators at sipplancalculator.in. Consult a SEBI-registered financial advisor for personalized guidance. Your freedom awaits!