SWP for Monthly Income | Systematic Withdrawal Plan in Mutual Funds
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SWP for Monthly Income |
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:
https://fincalc-blog.in/swp-calculato...
SWP for Monthly Income Blog:
https://fincalc-blog.in/swp-for-month...
Post Office Monthly Income Scheme:
Post Office Monthly Income Scheme (MI...
Rs. 2000 SIP Returns Calculation:
SIP Returns Calculation Examples - ₹2...
JOIN Telegram Group:
https://t.me/fincalc_tv_channel
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 Calculation Examples - ₹2...
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Loan EMI Calculator: Home Loan EMI Calculator Excel with P...
Loan EMI Prepayment Calculator: Home Loan EMI Prepayment | How to Sav...
============================
DISCLAIMER:
Examples and demo used are for Illustration purpose only and might not cover every detail of examples shown.
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:
https://fincalc-blog.in/swp-calculato...
SWP for Monthly Income Blog:
https://fincalc-blog.in/swp-for-month...
Post Office Monthly Income Scheme:
Post Office Monthly Income Scheme (MI...
Rs. 2000 SIP Returns Calculation:
SIP Returns Calculation Examples - ₹2...
JOIN Telegram Group:
https://t.me/fincalc_tv_channel
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
============================
LIKE | SHARE | COMMENT | SUBSCRIBE
Mujhe Social Media par FOLLOW kare:
Facebook : Facebook: fincalctv
Twitter : Twitter: FincalcTV
BLOG: https://fincalc-blog.in
Telegram: https://t.me/fincalc_tv_channel
Instagram: Instagram: fincalc_tv
============================
MORE VIDEOS:
SIP Returns Calculation: SIP Returns Calculation Examples - ₹2...
Income Tax Calculator: Income Tax Calculation Examples betwe...
Loan EMI Calculator: Home Loan EMI Calculator Excel with P...
Loan EMI Prepayment Calculator: Home Loan EMI Prepayment | How to Sav...
============================
DISCLAIMER:
Examples and demo used are for Illustration purpose only and might not cover every detail of examples shown.
8 ماه پیش
در تاریخ 1402/08/23 منتشر شده
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