SWP for Monthly Income | Systematic Withdrawal Plan in Mutual Funds

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Күн бұрын

SWP for Monthly Income | Systematic Withdrawal Plan in Mutual Funds
In this video by FinCalC TV we will see SWP for monthly income in hindi. SWP full form is systematic withdrawal plan that can help you to get monthly income based on the total investments in mutual funds. You can withdraw the funds based on your requirements of monthly expenses and keep your principal amount unchanged.
We will see SWP for monthly income with examples between Rs. 5000 to Rs. 1 lakh monthly incomes.
SWP Calculator Online:
fincalc-blog.in/swp-calculato...
SWP for Monthly Income Blog:
fincalc-blog.in/swp-for-month...
Post Office Monthly Income Scheme:
• Post Office Monthly In...
Rs. 2000 SIP Returns Calculation:
• SIP Returns Calculatio...
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CHAPTERS:
00:00 SWP for Monthly Income Intro
01:40 Monthly Income Calculations using SWP
03:29 Rs. 5000 Monthly Income Calculation
04:15 SWP Formula to find Total Investment
05:46 Rs. 10,000 Monthly Income Calculation
07:06 Rs. 30,000 Monthly Income Calculation
07:14 Rs. 1 Lakh Monthly Income Calculation
08:23 Using SWP Calculator on FinCalC Blog
12:04 SWP for Monthly Income Conclusion
WHAT IS SWP?
- SWP or Systematic Withdrawal Plan is a method to withdraw consistently every month from a mutual fund that you want to invest in
- Basically, it is the reverse of SIP. In SIP (Systematic Investment Plan), you invest some amount every month to accumulate desired corpus by the end of tenure
- In SWP, you can keep the same accumulated amount in that mutual fund (or other mutual fund) and withdraw consistently every month, while the accumulated units in mutual fund earns you more profits
- SWP helps you to earn regular income after your retirement to meet your needs.
- It is similar to Post Office Monthly Income Scheme Plan, in which you earn regular income based on fixed interest rate
- The only difference is in Post Office, the interest rate is known, where as in SWP, returns from mutual funds are not known. But over long term, market usually gives better returns if invested in good mutual funds
- You can provide the expected returns in your mutual fund in above calculator, after adjusting inflation, and know the every month withdrawal amount and remaining amount after specific time period
HOW SWP WORKS?
- As mentioned above, for your accumulated balance in mutual fund, you get returns based on fund performance
- You can select the amount you want to withdraw every month from this mutual fund
- Higher the withdrawal amount, it is more likely that your fund balance will come close to zero if every month returns are not more than the withdrawal amount
- It is advised to keep the withdrawal amount based on your needs and less than the returns provided, so that your balance in mutual fund is maintained at same level
WHAT IS SWP FORMULA?
As seen in above calculations, SWP formula is very simple.
Based on the monthly interest rate (expected) and current Balance, the returns in mutual funds are calculated, and desired withdrawal amount is removed.
Below is the formula:
Monthly Profits = Monthly expected returns * Balance / 100
WHAT IS THE RISK IN SWP?
The risk in SWP is same as that in any mutual fund. In short term, Equity mutual funds can be highly risky if you are expecting some moderate returns. But over long term, we have seen historically that good mutual funds give 10% to 15% annual returns.
Some small cap mutual funds have also give more than 15% returns every year if returns are averaged over 7-10 years of period.
#SWP #MonthlyIncome #MutualFunds #fincalc
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MORE VIDEOS:
SIP Returns Calculation: • SIP Returns Calculatio...
Income Tax Calculator: • Income Tax Calculation...
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Loan EMI Prepayment Calculator: • Home Loan EMI Prepayme...
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DISCLAIMER:
Examples and demo used are for Illustration purpose only and might not cover every detail of examples shown.

Пікірлер: 175

@malinidhir 5 ай бұрын

V well explained. Don’t be disheartened by negative comments. People like me need elaborate explanation 🙏 Thanks

@fincalc 5 ай бұрын

Thank you so much for your positive comment. That is one of my aim to elaborate the topic to make people understand more clearly. Thanks again 👍

@georgecorera856 3 ай бұрын

Who will decide rate of interest?

@107utube 24 күн бұрын

@@georgecorera856 market

@juheldebbarma3282 23 күн бұрын

@@georgecorera856Doraemon

@dr.rameshkumar7997 2 ай бұрын

Simple easy to understand as a lay man

@hazrathvali2684 8 ай бұрын

Excellent suggestion for swp.I am impressed

@fincalc 8 ай бұрын

Thanks a lot

@momikachannel1213 5 ай бұрын

@@fincalc can we do SWP from grow app

@khadarkhan72 8 ай бұрын

Nicely explained 🙏Thank you Brother.

@fincalc 7 ай бұрын

You're most welcome

@shaheenbano6941 2 күн бұрын

Best video lgi

@lakhansinghkuntia4538 6 ай бұрын

One of the best idea 💡 "SWP"

@dr.mithunhazarika2016 12 күн бұрын

Utna bhi atcha nehi😂, kahi bhi aur kabhi bhi market sidha upar nehi jata, market humesha up down ke sath chalega! To down time mein aap chahoge ki aapke capital se Paisa nikal kar aapko diya jaye?

@rg5806 7 ай бұрын

Good explanation with calculation.

@fincalc 7 ай бұрын

thanks

@gkkrishna9620 Ай бұрын

Good expl anation thanks Bhai 🎉

@fincalc Ай бұрын

Always welcome

@ArunKumar-me3cp 14 күн бұрын

Please post in English language as well...Your videos are bery valuable

@AshishGershom 5 күн бұрын

Very nice video bro keep making more

@dhruvrajsinhjadeja-vfxarti3085 28 күн бұрын

Thanks for this video bro 😇👍

@fincalc 26 күн бұрын

Welcome 😊

@rams5474 11 күн бұрын

Wonderful explanation. Please give us the list of MFs schemes available in SWP. So immediate or after one year M.I -SWP starts. But i think the fund grow as per market also.

@yadaiahpatti2834 13 күн бұрын

Please explain about income tax liability on withdrawals. Your idea is very useful.

@supersonkamei5757 2 ай бұрын

Explained well, thanks but tell me what is the minimum term for swp, can I put lum sum amount for one year or two years ?

@fincalc 2 ай бұрын

keep the tenure for long term o at least 5 to 7 years to get good profits.. short term of 1 to 2 years is risky

@supersonkamei5757 2 ай бұрын

@@fincalc thanks dude

@mukaramasaha7344 4 ай бұрын

Very useful information.. good 👍 job bro❤

@fincalc 4 ай бұрын

thanks

@navnitkumargupta6088 3 ай бұрын

बहुत ही अच्छा जानकारी प्राप्त हुआा है । धन्यवाद

@vanshi707 7 ай бұрын

Very useful information/presentation by you. Thanks

@fincalc 7 ай бұрын

Glad it was helpful!

@dnyaneshwarjtambe1782 7 ай бұрын

Thank you bro very nice explanation..❤

@fincalc 7 ай бұрын

Glad you liked it

@user-di7kw4cs6q 3 ай бұрын

Well explained. THANKS BRO

@fincalc 2 ай бұрын

You are welcome

@bariklelin 3 ай бұрын

Very well explained... thank you sir

@glitterworldcreation 4 ай бұрын

BRO U R TALKING ABOUT SWP BUT NOWHERE CALCULATION FOR DEDUCTION OF TAX IS EXPLAINED NOR THE CALCULATION SHOWN WITH THE SUITABLE DEDUCTION. COZ WE ALL KNOW ANY MONEY WE GAINED SUBJECT TO I TAX DEDUCTION.

@kh.lalmani4717 3 күн бұрын

Capital gains is tax free up to 1 lakh per annum

@tarunkumarsaha8828 7 ай бұрын

Please mention name of the fund for same return as per your video.

@SanthoshKaitheri 7 ай бұрын

Index Funds

@zamirhasankhan201 17 күн бұрын

Excellent

@kanakkumar2 4 ай бұрын

Thans and very good knowledge at this young age. Plz also suggest which swp to opt for? Which will be good for senior citizen

@fincalc 4 ай бұрын

you can select some good index mutual fund for monthly income. here's another video to get monthly income with more options: kzfaq.info/get/bejne/hrVgdtWEuNi-dHU.html

@kanakkumar2 4 ай бұрын

@@fincalc, yes but can you suggest with SWP to opt? like SBI, ICICI, HDFC etc?

@tusharpandit5769 6 ай бұрын

Good evening. Can u pls send me calculations for SWP if we invest as under : 1) 25 lacs - minimum withdrawal of 500/- per month - for 5 years. 2)25 lacs - minimum withdrawal of 500/- per month - for 10 years. 3)50 lacs - minimum withdrawal of 500/- per month - for 5 years. Thanks

@dilse2014 5 ай бұрын

Ye kithne sal ki kar saktha hei, any loking period? Aur full amonut withdraw kab kar saktha hei?

@sdatt4761 6 күн бұрын

Withdrawal pi ki TAX dena hoga ? Kon sa Tax slab use hoga?

@dr.rameshkumar7997 2 ай бұрын

Which SWP is good for 60+ person

@sowmithryg 27 күн бұрын

what is the locking period for SWP and which is best one to select among all

@fincalc 26 күн бұрын

SWP is a way to remove money from mutual funds systematically. The one that might give better returns in future can be the best mutual fund for you

@shaikhrf1 7 ай бұрын

Tax ke bare me bhi batao

@venkateswararaok3757 16 күн бұрын

Good explaind. For this swp with drowel amount any Income tax to be pai or not. Pl reply

@mayurpalsokar9392 5 ай бұрын

Great

@fincalc 5 ай бұрын

Thanks

@lalanprasadrajak4575 5 ай бұрын

Nice👍

@georgecorera856 3 ай бұрын

Rate of interest ye kon tay karega?

@shibooster 12 күн бұрын

Tum hi karoge, usne worst case consider kiya hai.

@bullpat1479 2 ай бұрын

Well explained ❤

@psbhaumik4367 19 күн бұрын

Which fund best for SWP & which app we using SWP.

@DeepakYadav-jg3bp 5 ай бұрын

Ammount jama karne ke next month se paisa aana shuru ho jayega kya

@rahulsinhapiet Ай бұрын

On an average house much return should expect for 30 year investment.

@hukamsingh6797 Ай бұрын

Good efforts

@rajkumarjha3845 4 ай бұрын

Ye sahi class hai

@rupeshghorpade1977 2 ай бұрын

Very good explanation.

@fincalc 2 ай бұрын

Glad it was helpful!

@TheIconOfHistory 13 күн бұрын

सर ये पैसा invest करणे के कितने दिनो बाद हमे monthly withdrawal karna चाहिए

@vinodkumarb2318 7 ай бұрын

M fund has risk. Po has no risk.

@viriventisatyanarayana9977 7 ай бұрын

Excellent ,bhai..nice explanation...

@baaghisingh198 5 ай бұрын

Bhaji, info de ta tusi fatte chak te ... well explained vid indeed. But wut about the taxes upon withdrawing the monthly interest if any...& India mein jo mutual funds hota hai are the FDIC approved? The principle amount 100% secure hota hai? ( excuse my ignorance I'm an NRI)

@jssping123 4 ай бұрын

very well explained

@vikrambadkur6517 23 күн бұрын

12% हर साल निकालो गे तो 15साल बाद फण्ड की वैल्यू शून्य हो जएगी।।ओर कैप्टिल गेन 15% कौन भरेगा।

@kh.lalmani4717 3 күн бұрын

12% har saal nikal ne se fund ki value zero kaise ho jayegi? agar yeh 12% ka rate of return assume kar rahe hai toh?

@kavitaborkar8309 6 ай бұрын

Superrrr Information

@kvlalani 2 ай бұрын

Good information....pls share the excel sheet

@sumitkumarnanda7910 2 ай бұрын

Jis din hm swp set karenge next kitne din baad amount milna start ho jata hai ? Please tell

@ushanagrajiyer458 20 күн бұрын

Sir shd I continue sip if I opt for swp.?

@manojpatil6582 5 ай бұрын

Good explained

@malharb6109 7 ай бұрын

Why such long lectures to show your intelligence😂. Simple hai, 1%/month milega return on mutual funds

@prakashjha3339 7 ай бұрын

Haha .. that's correct 😅

@VittiPatel 7 ай бұрын

You say right. It's Indian mathematics totally confusing.

@malharb6109 7 ай бұрын

@@VittiPatel .... It's not about Indian mathematics , but just to run long vlogs they keep on doing uneccesory calculations to prove they are smart

@rohithgiriya3728 7 ай бұрын

Watch time brother.. Nothing else

@Telugupole 7 ай бұрын

For Video and for advertisement

@shahbazansari6433 2 ай бұрын

Sir SWP mey to unit he sale karke paisa milta hey na...matlab tree ko bech kar paisa khana...jo long time me mere bachho k liye sahi nahi hey... Lekin eysa koi option hey jaha unit sale kiye bina dividend type paisa milta rahe...matlab tree v bacha rahe aur uss tree ka fruit khaya kar jiya jay...? Aur tree ka value v kam he sahi but thori thori bardhti rahe... Idcw sahi hey but government tax bahot leti hey... Others koi option hey?

@fincalc 2 ай бұрын

Mutual fund with dividend option hi hai. Uspe tax to Dena hoga

@sourishbhattacharya1186 5 ай бұрын

Sir Good evening. Will the total amount be zero after certain point of time, as we are withdrawing money every month. Regards

@HarishMokari-wh3fe Ай бұрын

Swp me jyada returns kaun si bank deti Hain

@rashmivoicee 5 ай бұрын

It is risky for one who are dependent on investment income. Since principle amount will reduce, when market falls...

@udaybanerjee6110 2 ай бұрын

Absolutely right, depends upon fund selection , withdraw what amount in percentage as to protect the principal. Must have to give clear answers.

@ansumanhazra1160 25 күн бұрын

On the other hand principal amount may increase if market gives you more than 10% and ur withdrawal percentage 10%

@dn-2991 23 күн бұрын

No,in SWP the principle amount u invested will never get reduced,rather it will increase with few percentage.. So there is no risk and ur future generation also can enjoy ur investment.. u can see other videos on swp where they explain it nicely

@ansumanhazra1160 23 күн бұрын

@@dn-2991 say, u have buy 50000 units at nav of 20, after 1 year start SWP 10000/ month. After 1 year say nav is 22. First month units will be redeemed 10000÷22=454.5, second month say nav is 22.3. units will be redeemed 10000÷22.3=448.4. Third month say nav is down 19.5, units will be redeemed 10000÷19.5=512.8. In this way all depends upon the nav, if your fund house gives more % than swp %, then your initial investment amount will be increased, on the other hand it can go down if it is reversed, happy investment

@SimarpreetSinghsimu 2 күн бұрын

well agar 1 lakh nikal rehe ho in the end agar kuch bach jaye to u can invest that back fir kuch or add ho jayenge

@khajtak 6 ай бұрын

Do the yields of investment come tax free?

@prustysaurabh 7 ай бұрын

what is the short term and long term capital gains tax in SWP plans....???

@shibooster 12 күн бұрын

Upto 1.25 L its exempted

@poojaverma-hh4ei 7 ай бұрын

Can you suggest some good swp plan

@fincalc 7 ай бұрын

you can invest in nifty mutual fund plan. Here's the video with calculations: kzfaq.info/get/bejne/fpehnsmZnd_ej2g.html

@sachinkore9616 7 ай бұрын

nice explanation can u suggest swp

@atharvakadam-yj5fv 2 ай бұрын

But bother how to invest for app or bank 🏧

@tapansarkar1389 7 ай бұрын

Invest yourself.

@rambrikshprajapati6324 6 ай бұрын

Post offices ki MIS scheme ki Tarah hai

@amritchopra7996 4 ай бұрын

good

@fincalc 4 ай бұрын

Thanks

@almasfarogh120 Ай бұрын

Yeh paisa Baad Mein nikal sakte hai Baad Mein ki nahi

@dilse2014 2 ай бұрын

5 lakh 5 yrs keliye jama kiyatho kitna swp per month milega?

@user-kd9bx1lo3l 5 ай бұрын

More then 8per .only private bank giving.hre some people giving only 3per .

@ajayarora3582 6 ай бұрын

Ram Ram ji

@fincalc 6 ай бұрын

Jai Shree Ram 🙏

@sonushriwas6644 6 ай бұрын

❤

@praveenjha9424 4 күн бұрын

don't withdraw more than 6 percent of your portfolio otherwise you may lose on your portfolio...moreover.your withdrawal will attract 12.5 percent capital gains( long term) tax...

@arvindpashilkar4744 4 ай бұрын

Guarantee Agreament Manager..... comition

@sureshkatre732 5 ай бұрын

Nex month se hi Swp kare ki 5 sal bad sir

@husainahmad6424 7 ай бұрын

Kitne year ka plan hai mool dhan kab wapas hoga ,

@vipulgupta2453 2 ай бұрын

Swp karne ke liye mutual fund me deposit karna padega pehle

@kishorunawane6503 3 ай бұрын

अगर market substantially down हुआ तो?

@vsrinivas7417 15 күн бұрын

SWP is taxable income or not.

@rams5474 11 күн бұрын

Taxable as per IT as Dividend hopefully

@greenerygardenbyharishkuma1887 7 ай бұрын

Age 46,5lakh lagana hai or next month say incom chiya 10 year time.mf bata do

@mustaquealamchoudhury3657 4 ай бұрын

Will the invested amount remain same after maturity?

@PA_vlogs-rx8hx 4 ай бұрын

Yes, because in this strategy we are withdrawing 10% and our portfolio grows by 10% and if you count 6% inflation then you will end up less amount value by the time

@born-victor 3 ай бұрын

No. Depends on market condition during maturity. That's the catch in this plan. Everything is dependent on the rate of return while receiving monthly income. Even though you will continue to get the same amount, if ROR is less than assumed interest, your principle sum will go down. Besides, he says nothing about taxes. Capital gains tax is hefty for this plan.

@swarajveer6360 3 ай бұрын

Bhai tax ka b bataya karo

@pvenkateswarapratap2780 7 ай бұрын

Monthly 8% is good

@rahul010101 Ай бұрын

Kaha milta hai bhai...8% per month

@AnantArolkar-xi3cb 5 ай бұрын

If I start investment in swp 1st march 2024 with 6lacs lumpsup can I get 5000 rs pm from 1st April 2024?

@nitish_motivation 5 ай бұрын

Yes

@phuleshyam5583 Ай бұрын

Swp में सिर्फ 3 लाख इन्वेस्ट करें तो कितना मिलेगा हर महीना?

@vivekrupareliya9717 7 ай бұрын

Exle file kaha milegi bhai?

@fincalc 7 ай бұрын

SWP online calculator use karo: fincalc-blog.in/swp-calculator-with-inflation-systematic-withdrawal-plan/ aur yahi pe excel file milegi

@viriventisatyanarayana9977 7 ай бұрын

Bhai ,SWP karna hai to kis fund me karsakte hain .in safety aspect

@saubhikbhattacharjee6023 6 ай бұрын

Mat karo bhai bekar hai...usse accha post office mis hai...sip is good invest lumsum in sip & withdraw the profits.

@thegaurav5363 16 күн бұрын

kitne years tak withdrawal hoga ye?

@fincalc 16 күн бұрын

jab tak mutual fund account me balance hai tab tak

@neelatalati6026 7 ай бұрын

Mutual fund name to batao calculation pays hey

@johnpinto7670 7 ай бұрын

It should be atleast 15-18%

@fincalc 7 ай бұрын

Some mutual funds can give mentioned returns over long term..

@krishnahegde4130 7 ай бұрын

Make video reg swp (MF)Name @minm 10-12% Retn.

@fincalc 7 ай бұрын

made after your comment. Watch here: kzfaq.info/get/bejne/fpehnsmZnd_ej2g.html

@Heartbeat-246 2 ай бұрын

क्या इस स्कीम में पैसा डूब भी जाता है क्या पैसा बिलकुल जीरो हो जाएगा क्योंकि कई बार शेयर मार्केट में ऐसा ही होता है कृपया बताएं

@pramodsharma9262 2 ай бұрын

Nhi aisa nhi hota hai. Q ki mutual fund me return 15,% se upar hota hai. Lekin aap ek sal bad se suru krnaa chahiye jama ke bad.

@HarishMokari-wh3fe Ай бұрын

Bro 1 lakh invest karenge. Fix 10 saal k liye. Toh 10 saal bad swp monthly kitna milega.

@ahmedmoinuddin8487 4 ай бұрын

swp per tax applicable huta hai kia ?

@fincalc 4 ай бұрын

yes

@rajmk3747 4 ай бұрын

Thank you nice explanation, but can also make a video for us the best MF for SWP

@vikasmathur7276 3 ай бұрын

Swp investment k just next month se withdraw kr skte h..?

@fincalc 2 ай бұрын

yes

@DeepakYadav-jg3bp 5 ай бұрын

Mutual fund kitna safe hota h

@irshadfitter2758 5 ай бұрын

Shouldn't withdraw more than 5%

@jithendramohanshetty8395 7 ай бұрын

Dont in vest in monthly, all taxed nothing for investors. Mla mp gingalal

@PrernaKarale 2 ай бұрын

Ha ye bat to samzni hai jaldi batao

@olidhar5608 9 күн бұрын

Math class le liya😢

@kgbbond007 7 ай бұрын

Thoda lengthy hain

@anishbabbar7059 4 ай бұрын

Bhaiya : pehle aap SWP le ke apni retirement lai lo.