SWP for Monthly Income | Systematic Withdrawal Plan in Mutual Funds

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.
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SWP for Monthly Income Blog:
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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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DISCLAIMER:
Examples and demo used are for Illustration purpose only and might not cover every detail of examples shown.

[@malinidhir]

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

[@fincalc]

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]

Who will decide rate of interest?

[@navnitkumargupta6088]

बहुत ही अच्छा जानकारी प्राप्त हुआा है । धन्यवाद

[@lakhansinghkuntia4538]

One of the best idea 💡 "SWP"

[@bariklelin]

Very well explained... thank you sir

[@khadarkhan72]

Nicely explained 🙏Thank you Brother.

[@fincalc]

You're most welcome

[@dr.rameshkumar7997]

Simple easy to understand as a lay man

[@vanshi707]

Very useful information/presentation by you. Thanks

[@fincalc]

Glad it was helpful!

[@dnyaneshwarjtambe1782]

Thank you bro very nice explanation..❤

[@fincalc]

Glad you liked it

[@hazrathvali2684]

Excellent suggestion for swp.I am impressed

[@fincalc]

Thanks a lot

[@momikachannel1213]

​@@fincalc can we do SWP from grow app

[@rg5806]

Good explanation with calculation.

[@fincalc]

thanks

[@viriventisatyanarayana9977]

Excellent ,bhai..nice explanation...

[@rajkumarjha3845]

Ye sahi class hai

[@mukaramasaha7344]

Very useful information.. good 👍 job bro❤

[@fincalc]

thanks

[@bullpat1479]

Well explained ❤

[@user-di7kw4cs6q]

Well explained. THANKS BRO

[@fincalc]

You are welcome

[@gkkrishna9620]

Good expl anation thanks Bhai 🎉

[@fincalc]

Always welcome

[@prustysaurabh]

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

[@lalanprasadrajak4575]

Nice👍

[@jssping123]

very well explained

[@kavitaborkar8309]

Superrrr Information

[@baaghisingh198]

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)

[@mayurpalsokar9392]

Great

[@fincalc]

Thanks

[@nizni2014]

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

[@hukamsingh6797]

Good efforts

[@manojpatil6582]

Good explained

[@shaikhrf1]

Tax ke bare me bhi batao

[@sourishbhattacharya1186]

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

[@glitterworldcreation]

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.

[@tusharpandit5769]

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

[@khajtak]

Do the yields of investment come tax free?

[@sachinkore9616]

nice explanation can u suggest swp

[@georgecorera856]

Rate of interest ye kon tay karega?

[@sonushriwas6644]

❤

[@kvlalani]

Good information....pls share the excel sheet

[@rashmivoicee]

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

[@udaybanerjee6110]

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

[@amritchopra7996]

good

[@fincalc]

Thanks

[@DeepakYadav-jg3bp]

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

[@dr.rameshkumar7997]

Which SWP is good for 60+ person

[@tarunkumarsaha8828]

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

[@SanthoshKaitheri]

Index Funds

[@kanakkumar2]

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]

you can select some good index mutual fund for monthly income. here's another video to get monthly income with more options: kzbin.info/www/bejne/hoCTdKWJiNeNeqM

[@kanakkumar2]

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

[@sumitkumarnanda7910]

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

[@vinodkumarb2318]

M fund has risk. Po has no risk.

[@sureshkatre732]

Nex month se hi Swp kare ki 5 sal bad sir

[@husainahmad6424]

Kitne year ka plan hai mool dhan kab wapas hoga ,

[@HarishMokari-wh3fe]

Swp me jyada returns kaun si bank deti Hain

[@rajmk3747]

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

[@atharvakadam-yj5fv]

But bother how to invest for app or bank 🏧

[@nizni2014]

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

[@user-kd9bx1lo3l]

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

[@swarajveer6360]

Bhai tax ka b bataya karo

[@ajayarora3582]

Ram Ram ji

[@fincalc]

Jai Shree Ram 🙏

[@supersonkamei5757]

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]

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]

@@fincalc thanks dude

[@rupeshghorpade1977]

Very good explanation.

[@fincalc]

Glad it was helpful!

[@kishorunawane6503]

अगर market substantially down हुआ तो?

[@poojaverma-hh4ei]

Can you suggest some good swp plan

[@fincalc]

you can invest in nifty mutual fund plan. Here's the video with calculations: kzbin.info/www/bejne/fmLUnJmebd6tlZY

[@almasfarogh120]

Yeh paisa Baad Mein nikal sakte hai Baad Mein ki nahi

[@rambrikshprajapati6324]

Post offices ki MIS scheme ki Tarah hai

[@shahbazansari6433]

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]

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

[@arvindpashilkar4744]

Guarantee Agreament Manager..... comition

[@viriventisatyanarayana9977]

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

[@saubhikbhattacharjee6023]

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

[@jithendramohanshetty8395]

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

[@vipulgupta2453]

Swp karne ke liye mutual fund me deposit karna padega pehle

[@johnpinto7670]

It should be atleast 15-18%

[@fincalc]

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

[@neelatalati6026]

Mutual fund name to batao calculation pays hey

[@phuleshyam5583]

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

[@AnantArolkar-xi3cb]

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

[@nitish_motivation]

Yes

[@vikasmathur7276]

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

[@fincalc]

yes

[@krishnahegde4130]

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

[@fincalc]

made after your comment. Watch here: kzbin.info/www/bejne/fmLUnJmebd6tlZY

[@malharb6109]

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

[@prakashjha3339]

Haha .. that's correct 😅

[@VittiPatel]

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

[@malharb6109]

@@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]

Watch time brother.. Nothing else

[@Telugupole]

For Video and for advertisement

[@mustaquealamchoudhury3657]

Will the invested amount remain same after maturity?

[@PA_vlogs-rx8hx]

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]

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.

[@DeepakYadav-jg3bp]

Mutual fund kitna safe hota h

[@pvenkateswarapratap2780]

Monthly 8% is good

[@rahul010101]

Kaha milta hai bhai...8% per month

[@greenerygardenbyharishkuma1887]

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

[@kgbbond007]

Thoda lengthy hain

[@vivekrupareliya9717]

Exle file kaha milegi bhai?

[@fincalc]

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

[@irshadfitter2758]

Shouldn't withdraw more than 5%

[@PrernaKarale]

Ha ye bat to samzni hai jaldi batao

[@puran623]

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]

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]

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

[@sameern3335]

Kkkkk

[@anishbabbar7059]

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

[@sabitsen4321]

Making fool

[@archimanpatra8812]

up ka Phone no

[@Ajanajoysrikrishna]

Fak

[@arunwanjari975]

Fake vidio 2:02 sampurn bataye 2:42

[@tapansarkar1389]

Invest yourself.

[@jayanta.nchaudhury3343]

Exaggerating too much excess explanation

[@niteshtelwane4548]

FD is better

[@rdsfghjb]

Iski guarantee kya hai

[@ahmedmoinuddin8487]

swp per tax applicable huta hai kia ?

[@fincalc]

yes