SWP in Mutual Funds | Don't do SWP in any Mutual Fund Before This | Systematic Withdrawal Plan
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- čas přidán 19. 02. 2024
- You should not do SWP in mutual fund before understanding about SWP. What amount should you keep while doing SWP in any Mutual fund.
Here is a detailed video.
Demat account I use:
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Questions Answered:
- Who should do SWP.
- SWP after retirement.
- SWP Amount to keep
- How to do SWP using Zerodha
How to switch Mutual fund?
• Best Way to Switch Mut...
#mutualfunds #swp #retirementplanning
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⭐⭐IMPORTANT point to add:
Don't do SWP above 0.75% of total investment (0.5% should be ideal to do). 1% is on high side and can be risky in case markets don't perform well.
Before you start SWP, do make sure to move your funds to a less risky fund to reduce risk on investments.
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I'm a student, and I've lic policy amount of 40000rs. Can I invest this in swp?
Bahut badiya, sir! SWP calculator ka link share kariyega please.
Q
I appreciate the time you took to collate this information for me. Thanks again for taking time out of your schedule to do me this favour. I understand that you have a busy schedule and I'm grateful for your help on this.
Thank you for giving so much clarity.
Hey Ranjan, another amazing video. Please make one video on ETF, FOF, and MF for investing in US markets. Include the pros and cons and different schemes that are currently doing best in the market.
Good Information, Thank You Sir..
Nice explanation...Good work...
Wow very very information massage thanks
Thanks a lot for these facts & infn..
Very very useful information 🎉🎉
Thank you sir itne achhe se samjhane ke liye
Nice, Thank you.❤
HI Ranjan,, great video,, what about other taxes than LTCG ? do I need to pay income tax for my earning from mutual fund if I don't have any other source of income
Sir hamne groww app se kyc kiya hai wo digilocker se apne aap ho gaya hai but usame hamara District - Rajgarh aur State - MP bata raha hai usko change kaise kare hamara District -Raigarh aur State - Chhattisgarh hai
Compounding and swp is really 8th wonder of the world 🎉
Hi Ranjan... Great & Thanks. Appreciate to have a video on BEST & SAFE FUND SUITABLE FOR LUMPSUM INVESTMENT WITh SWP OPTION . Pls help us to take decision and it will help us for a passive income. Expecting your video on this. Thanks.
Very good sir ji, zaroorat ho tabhi kare swp , nahi toh naa kare, I understood sir
Can you please explain how Compounding work in MF? Is there Power of Compounding in MF when we go with SIP? As its value is decided on NAV.
Well explained. However, can I do SIP of Rs. 15,000/- per month in an ELSS (to avail tax benefits) and after 3 years start SWP @ Rs. 12,000/- per month from the same scheme ? That way, I will get tax benefits of Rs. 1.5 lakh per year under section 80 C by investing only Rs. 36,000/- per year and enjoying LTCG on SWP at the same time. What do you say ?
Sir kindly explain in detail about 3 different modes of NPS : aggressive moderate conservative. Which is best for whom. Best nps fund manager and other nps related questions.?
Swp karane ke liye sip karna jaruri hai kya direct lumsum dal sakte hai
Swp yearly 4% se jyada nahi honi chahiye. 1cr hai to every year 4 lac swp karo and every year fund size badhegi to 4% amount bhi badhega jisse inflation ko asani se beat kiya ja sakta hai
Thank you to you. You have given a good and useful advice.🙏
It depends on your age and the money you need. Standard withdraw should be 0.6 % montlhy if you want to retire early at 50 years of age till 30 years ie. up 80 years of age
@@shiv_shiv111 Thank you
Ye 4% waala rule west ke liye theek hai.
India me abhi 6% normal hai.
4% rule is Calculated in American market where bank interest is low as compared to INDIA.....in india 6% is good for SWP ........ inflation b adjusted ho jayega no problems for future
What is ur suggestion on using this instrument in paying home loans
Nice analysis 👍
Hi, my portfolio is as fwg/-
Kotak Infrastructure and Economic Reform - 7.833%
Parag Parikh Flexi Cap - 26.67%
Nippon India Small Cap - 20%
ICICI Prudential Nifty Index Fund - 23.34%
Motilal Oswal Midcap - 15.48
Nippon India Nifty Bank Index Fund - 6.66
Any advice..?
Sir agar kisi fund main amc sip opt ho gayi ho to aur us fund main sip opt kar ho to kaise karege
Nice information sir thanku
Balanced Advantage Funds needs to be considered for SWP
SGB mai invest karne k cons n pros ka video banaya h kya aapne apne chanel par?
Jo sip karte hai uska hi swp option karna hota hai , index fund ki sip karta hu to 10yr uske bad ya use pehale swp active karna hoga
Sir, What if the investment are in 20 schemes making a total corpus of 1 crore. 5L×20=1Cr. Will the calculations work 1L per month for 20 years.
Bhai beech beech me bade crash AA jate hai stock market me jiske kaaran mutual fund me bhi bahut giravat aa jati hai. So swp karne se invested Paisa se thoda thoda profit book ho jata hai swpse
Cant we do SWP and use the monthly amount for investing?
Nice video sir ❤
Sir can we convert a mutual fund to SWP? If Yes then How?? Please reply
Bhai please make a video on using SWP on Liquid Funds and then using that amount to invest in SIP(of different AMC than what was of Liquid Fund). Using it we can get better interest on our principal/lumpsum amount rather than keeping it in our savings account. Thank you ❤
Worth watching ❤
Sir aj pisa dala to next month say nekal sakte hay
Yadi me home loan lekar apne portfolio se swp karke home loan ki installment de to kaisa rahega. Yadi swp 5% kare to
Can I opt SWP for one fund lo another fund do I need to pay long term capital gain tax??. I have completed sip for 5 years on one fund but that fund not performing well ... Pls suggest
Hello Sir, Can you please Make a video on how to avoid paying tax and exit load on SIP
Kya SIP ko maturity ke baad SWP mai convert kiya jaa sakta hai?
kya koi aisa calculator hai jisme lumpsum or SIP amount Par Ek Sath calculation ho sake
Ranjan ji.. What if Market goes down and person is solely depends on Swp for living?
Absolute misleading calculator. inflation not considered. stock market return is variable...never 10-11-12 return consistently every year.
Bahut sunder sir 💯
Sir, I want to buy car with SWP but I guess I have wait for one year to start SWP. Can you suggest the best way to do that ?
Kya hum swp ka paisa ko sip per invest kar sakte hai??
Swp ka amoumt invested money or current value money se withdrawal hota hai?
should we wait for lock in period in SWP?
Good Evening Sir
but if we consider 6 percent inflation , then we require 1.79 L instead of 1 lakh after 10 years . I think that by delaying or by holding an swp if possible for 5 years will make huge difference
Thanks a lot sir.
U start taking suggestion from. Video for making new video
I have one doubt and also searched for this on utube but could not find relevant video. See if u can help in this regard
What will happen to our money(lumpsump/sip) if any fund house or scheme closed or stopped, is there any real life example in this case. What happened to investors money?
If a mutual fund scheme winds up or closes, the assets of the scheme are liquidated. Following this, the proceeds are distributed to the unit holders in proportion to their holdings, based on the prevailing Net Asset Value (NAV) after deducting the relevant expenses. Furthermore, mutual funds are obligated to provide a report on the winding up to the unit holders, detailing the reasons for closure, the winding-up process, and the distribution of assets.
Bhai koi esa fund beta sakty ho swp k liy jo 10% cansent intrest de dy
Can i use swp for paying my emi payment.
Thank you sir
Sir, new demat account open kar ke ek must Rs 500000 rakh kar swp karna chahe to Kam se kam kitni time ke bad swp milega , Example loan lene par jast next month se hi EMI jama hota hai, esi tarah swp demat account se kam se kam kitni time me hoga
Can you suggest few best funds for SWP
Young loog ke paas agar paise hai to swp ka use karke joo paisa nikala hai wo paise wapas se index funds yaa phir felxi cap funds main investment karo bhaut profit hoga,
Bro Im 31. Returned back to india after 10 years In Australia. Maine 2 houses banaye 3 crore gone there , 1 car of 50 lacs, Now I have 1 cr cash jo invest karke I want to retire. monthly i dont need much . Maybe 30k . Do u think swp is right thing?
@@4am_Sachin bro market is unpredictable so i will suggest you to invest in sip and affordable part of your capital in swp for monthly income if you have family then take consult with any CA for better returns . that's all,
The suggestion I said on top that is for young and single person who don't have family now or for the next 5 years.
Sir I request you to make more videos on monthly income through mutual funds by doing one time investment....Thank you.
Swp karne ke liye kitna purana hona cahiye
Sir bahut log 10% tax bachane ke liye swp karten hain or reinvest kar deten fir hain ..
Agar aap ek video banao to pta chale ...
Swp karne me tax bachega ..?
Ya fir 10% profit ka gov ko dena hoga ?
Sir mutual fund me MIS ke upper ek detail video banaye
Swp me bad me aur amount dal sakte hai kya
Thanks 🙏
What about inflation over 20 Years.
Sir ETF ke bare me details me video bnaeye
Kya 5000000 rs lumpsum me lgakr swp kr sakte hai
Nice🎉
Sir could u plz Lemme know can we do SWP in ETF funds ??
what happen when some one take 7.5 percent in one year then capital apparition must be happen
My question is, (for my retired father) what if the expecreturn doesn't meet the actual one, will he still get the set amount for the next 20 yrs!!
I will receive a gratuity next month, i want to do swp but can i reinvest that amt in the same slumsum amt
Eg i have done 1 L rs swp
I receive 1000 from it ever month, but i dont want to withdraw i want that 1000 should add in 1L ever month
Mutul fund kitna purana hona chahiye swp
Thanks sir
Swp me kiya tax kat te hain..suppose mera 1 lac per mnth withdrawal kar raha hu.. Is ke upar fund house tax kat te hain kiya? Income tax chor kar
My age is 30 can I invest in SWP...?? PLEASE REPLY??
Sir monthly income next month se shuru ho jati kya 😊
Swp mein paise kitni der Tak holding karke rakhe or kab niklna suru kare
Jaise ki maine 1_1_2024 ko 1 crore dala or 1-2-2024 niklna star kar sakta hu kya
Yes u can withdraw
Rate of withdrawal seems high : 12% annually actually which is high. Usually people say 4% of total portfolio annually.
I just want to buy a 1.6L rupees iPhone I have the money but I thought if I am getting it for 24 months no cost EMI I should put the money in swp for 2 years to pay the EMI at the end of the two years I will have money even after paying the loan
Ranjan ji, kya SWP ke liye poora amount ek hi fund mein dalna theek rhega ya 2-3 different fund choose krein?
Minimum 2-3
Swp mai principal amount b increase hota hai bhai sahab
But sales to unit hongi phr ksise paisa bachega thoda isko clear kijiye sir
Par kidhar kar a 1cr kaise withdraw kare
Hello, please make a video on How to Choose Mutal Funds for Lumpsum SWP!!!!
As an lnvesting enthusiast, I often wonder how top level investors are able to become millionaires off investing. . I’ve been sitting on over $545K equity from a home sale and I’m not sure where to go from here, is it a good time to buy into stocks or do I wait for another opportunity?
Nice ,sir
Good 🎉
Now I understand why I should not do SWP now.
INFLATION OF 6% IS NOT ADDED ,NETHER TAX DEDUCTIKN OF 5-10% ,IDEALLY WITH 10% RETURN ,ALL TAXES,INFALTION,ONE CAN GET ONLY 40K/ MONTH FOR 1 CR for 30 years ,In private jobs people start retiring at 50 ,so take 30 years atleast
Sir hdfc balanced fund me lum sum 10 lacs amount dale sakte hai kya
Ya har mahine 1 lac dale plz reply kare 🙏🙏🙏☺️
Daal sakte hai
really like your videos sir.❤
No one in youtubers has reviewed my portfolio and I know this request will go unanswered from you also.. Just trying:
Total SIP - 40 K
Quant small cap, Nippon Small cap, Tata Small cap = 6666 each.
HDFC mid cap - 6000
Quant flexi cap - 6000
Uti Index nifty 50 - 4002
Mirae asset global x artifical - 4000
Don't think u need to invest in do many mutual funds ....
मान लीजिए मुझे 2 लाख की एक बाइक खरीदनी है और मेरे पास 5 लाख रुपए हैं।
1. क्या मैं नगद से बाइक खरीद लूं?
या
2. 50k नगद जमा कराके 1.5 लाख का लोन ले लूं 3 साल के लिए और 2-3 लाख किसी म्यूचुअल फंड में लगा के SWP चालू कर दूं?
आप नहीं पर आजकल यूट्यूब पर कई लोग कहते हैं कि यदि आपके पास पैसे की दिक्कत नहीं हो तो आप लोन ले लो और SWP चालू कर दो।
आपकी क्या राय है? Waiting for reply.
Ye to bahut khatarnaak Raai hai... jo bhi aisa karne ko bol rha hai.... 🙂
Nice sharing
One question - SWP pe tax lagega kya? for both domestic and NRI's?
Yes, LTCG tax, if SWP is started after 1 year on equity MF on withdrawal above 1 lakh
40 saal aur 45 saal Mein swp sahi hai kyunki is k Baad aap kitna jiyogey nhi pata
Sir kya hum 50 lac lumpsum invest karke 3 saal baad swp start kar sakte hai 50000/- per month ki
Kuch idea denge aap
Meri age Abhi 53 years hai
Aur Abhi 3-4 saal Mujhe income aani hai
Uske baad apne funds se hi life plan karni hai
50K to nahi but aap 40K withdraw kar sakte hai
Inflation??
Not more then half percent monthly of your total corpus
Meri kirtana store hai meri sip 30 month se 50000 per month ja rahi hai maine aaj tak ITR nahi bhari kya future main koi dikkat ho sakti hai
Itr bharna suru kar do sahi rahega