SWP for Monthly Income | Systematic Withdrawal Plan in Mutual Funds

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  • čas přidán 7. 09. 2024

Komentáře • 192

  • @malinidhir
    @malinidhir Před 6 měsíci +30

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

    • @fincalc
      @fincalc  Před 6 měsíci +2

      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
      @georgecorera856 Před 4 měsíci +1

      Who will decide rate of interest?

    • @107utube
      @107utube Před měsícem

      @@georgecorera856 market

    • @juheldebbarma3282
      @juheldebbarma3282 Před měsícem

      ​@@georgecorera856Doraemon

    • @sachinzagade8243
      @sachinzagade8243 Před 13 dny

      Is your app chargable or free

  • @himachalirider1874
    @himachalirider1874 Před 8 dny +2

    Bhai ek do gyani k comments dekhe shuru m..video dekhne se phle comment pdh kr m b thoda negative ho gya tha....8 saal se market m hu m....pr jb video dekhi to schi aapne bhut simple or bhut achhi video bna rkhi....keep it up brother......meko sb pta tha pr is video se muje ye vala formula sikhne ko mila....M SWP calculator m calculation krta tha...pr nyi chiz sikhne ko mili...thanks brother

  • @reddyclasses2933
    @reddyclasses2933 Před 22 dny +2

    Very good explanation. Very simple and straight. Thanks

  • @hazrathvali2684
    @hazrathvali2684 Před 8 měsíci +10

    Excellent suggestion for swp.I am impressed

  • @lakhansinghkuntia4538
    @lakhansinghkuntia4538 Před 7 měsíci +6

    One of the best idea 💡 "SWP"

    • @dr.mithunhazarika2016
      @dr.mithunhazarika2016 Před měsícem +1

      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?

  • @dr.rameshkumar7997
    @dr.rameshkumar7997 Před 2 měsíci +1

    Simple easy to understand as a lay man

  • @rg5806
    @rg5806 Před 8 měsíci +4

    Good explanation with calculation.

  • @navnitkumargupta6088
    @navnitkumargupta6088 Před 4 měsíci +1

    बहुत ही अच्छा जानकारी प्राप्त हुआा है । धन्यवाद

  • @vanshi707
    @vanshi707 Před 7 měsíci +1

    Very useful information/presentation by you. Thanks

    • @fincalc
      @fincalc  Před 7 měsíci +1

      Glad it was helpful!

  • @ArunKumar-me3cp
    @ArunKumar-me3cp Před měsícem

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

  • @rams5474
    @rams5474 Před měsícem

    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.

  • @malharb6109
    @malharb6109 Před 8 měsíci +59

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

    • @prakashjha3339
      @prakashjha3339 Před 8 měsíci +5

      Haha .. that's correct 😅

    • @VittiPatel
      @VittiPatel Před 8 měsíci +1

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

    • @malharb6109
      @malharb6109 Před 8 měsíci +2

      @@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
      @rohithgiriya3728 Před 7 měsíci +1

      Watch time brother.. Nothing else

    • @Telugupole
      @Telugupole Před 7 měsíci

      For Video and for advertisement

  • @yadaiahpatti2834
    @yadaiahpatti2834 Před měsícem

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

  • @dnyaneshwarjtambe1782
    @dnyaneshwarjtambe1782 Před 8 měsíci +2

    Thank you bro very nice explanation..❤

    • @fincalc
      @fincalc  Před 8 měsíci

      Glad you liked it

  • @gkkrishna9620
    @gkkrishna9620 Před 2 měsíci +1

    Good expl anation thanks Bhai 🎉

  • @khadarkhan72
    @khadarkhan72 Před 8 měsíci +6

    Nicely explained 🙏Thank you Brother.

    • @fincalc
      @fincalc  Před 8 měsíci

      You're most welcome

  • @mukaramasaha7344
    @mukaramasaha7344 Před 5 měsíci +1

    Very useful information.. good 👍 job bro❤

  • @kanakkumar2
    @kanakkumar2 Před 5 měsíci +1

    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
      @fincalc  Před 5 měsíci

      you can select some good index mutual fund for monthly income.
      here's another video to get monthly income with more options:
      czcams.com/video/PO0CrSSrZDA/video.html

    • @kanakkumar2
      @kanakkumar2 Před 5 měsíci

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

  • @glitterworldcreation
    @glitterworldcreation Před 5 měsíci +3

    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
      @kh.lalmani4717 Před 28 dny

      Capital gains is tax free up to 1 lakh per annum

  • @dilse2014
    @dilse2014 Před 6 měsíci +2

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

  • @rajkumarjha3845
    @rajkumarjha3845 Před 5 měsíci

    Ye sahi class hai

  • @tarunkumarsaha8828
    @tarunkumarsaha8828 Před 8 měsíci +4

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

  • @supersonkamei5757
    @supersonkamei5757 Před 3 měsíci +1

    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
      @fincalc  Před 3 měsíci

      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
      @supersonkamei5757 Před 3 měsíci

      @@fincalc thanks dude

  • @bariklelin
    @bariklelin Před 4 měsíci

    Very well explained... thank you sir

  • @tusharpandit5769
    @tusharpandit5769 Před 7 měsíci +2

    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

  • @dhruvrajsinhjadeja-vfxarti3085

    Thanks for this video bro 😇👍

  • @sowmithryg
    @sowmithryg Před měsícem +1

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

    • @fincalc
      @fincalc  Před měsícem

      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

  • @user-di7kw4cs6q
    @user-di7kw4cs6q Před 4 měsíci +1

    Well explained. THANKS BRO

  • @sdatt4761
    @sdatt4761 Před měsícem

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

  • @rahulsinhapiet
    @rahulsinhapiet Před měsícem

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

  • @venkateswararaok3757
    @venkateswararaok3757 Před měsícem

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

  • @shaikhrf1
    @shaikhrf1 Před 8 měsíci +4

    Tax ke bare me bhi batao

  • @baaghisingh198
    @baaghisingh198 Před 6 měsíci

    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)

  • @dr.rameshkumar7997
    @dr.rameshkumar7997 Před 2 měsíci +1

    Which SWP is good for 60+ person

  • @AshishGershom
    @AshishGershom Před měsícem

    Very nice video bro keep making more

  • @psbhaumik4367
    @psbhaumik4367 Před měsícem

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

  • @DeepakYadav-jg3bp
    @DeepakYadav-jg3bp Před 6 měsíci +2

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

  • @gopalaswamybalasubramaniam1435

    Why you r not talking about income tax on interest paid by Bank
    We will loose as well we have to file return and pay Auditor . Why invest in Banks insurance etc and invite trouble .

  • @rashmivoicee
    @rashmivoicee Před 6 měsíci +6

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

    • @udaybanerjee6110
      @udaybanerjee6110 Před 2 měsíci

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

    • @ansumanhazra1160
      @ansumanhazra1160 Před měsícem

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

    • @dn-2991
      @dn-2991 Před měsícem +2

      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
      @ansumanhazra1160 Před měsícem

      ​@@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
      @SimarpreetSinghsimu Před 28 dny

      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

  • @shahbazansari6433
    @shahbazansari6433 Před 3 měsíci +1

    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
      @fincalc  Před 3 měsíci

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

  • @TheIconOfHistory
    @TheIconOfHistory Před měsícem

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

  • @rupeshghorpade1977
    @rupeshghorpade1977 Před 3 měsíci +1

    Very good explanation.

    • @fincalc
      @fincalc  Před 3 měsíci

      Glad it was helpful!

  • @viriventisatyanarayana9977
    @viriventisatyanarayana9977 Před 7 měsíci

    Excellent ,bhai..nice explanation...

  • @SheetalSingh-jq3vy
    @SheetalSingh-jq3vy Před 13 dny

    Sir how i do swp if i want to start withdrawal after one year

  • @jssping123
    @jssping123 Před 5 měsíci

    very well explained

  • @vinodkumarb2318
    @vinodkumarb2318 Před 8 měsíci +3

    M fund has risk. Po has no risk.

  • @lalanprasadrajak4575
    @lalanprasadrajak4575 Před 6 měsíci +1

    Nice👍

  • @sumitkumarnanda7910
    @sumitkumarnanda7910 Před 3 měsíci

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

  • @zamirhasankhan201
    @zamirhasankhan201 Před měsícem

    Excellent

  • @shaheenbano6941
    @shaheenbano6941 Před 27 dny

    Best video lgi

  • @vikrambadkur6517
    @vikrambadkur6517 Před měsícem +2

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

    • @kh.lalmani4717
      @kh.lalmani4717 Před 28 dny

      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?

  • @sourishbhattacharya1186
    @sourishbhattacharya1186 Před 6 měsíci

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

  • @georgecorera856
    @georgecorera856 Před 4 měsíci +3

    Rate of interest ye kon tay karega?

    • @shibooster
      @shibooster Před měsícem +1

      Tum hi karoge, usne worst case consider kiya hai.

  • @mayurpalsokar9392
    @mayurpalsokar9392 Před 6 měsíci +1

    Great

  • @bullpat1479
    @bullpat1479 Před 3 měsíci

    Well explained ❤

  • @ushanagrajiyer458
    @ushanagrajiyer458 Před měsícem

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

  • @kvlalani
    @kvlalani Před 3 měsíci

    Good information....pls share the excel sheet

  • @hukamsingh6797
    @hukamsingh6797 Před 2 měsíci

    Good efforts

  • @kavitaborkar8309
    @kavitaborkar8309 Před 7 měsíci

    Superrrr Information

  • @prustysaurabh
    @prustysaurabh Před 8 měsíci +1

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

  • @manojpatil6582
    @manojpatil6582 Před 6 měsíci

    Good explained

  • @HarishMokari-wh3fe
    @HarishMokari-wh3fe Před 2 měsíci

    Swp me jyada returns kaun si bank deti Hain

  • @technicalstudio9877
    @technicalstudio9877 Před 18 dny

    LONG TERM CAPITAL TAX 12.5% EXID LOAD AND MUTUAL EXPENSES PHIR GST

  • @dhirajwarke7253
    @dhirajwarke7253 Před 21 dnem

    MF may swp may min rate of return 25 to 30,% or max to max 45 to 60% rate of returns hota hay

  • @dilse2014
    @dilse2014 Před 3 měsíci

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

  • @tapansarkar1389
    @tapansarkar1389 Před 8 měsíci +3

    Invest yourself.

  • @praveenjha9424
    @praveenjha9424 Před měsícem

    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...

  • @atharvakadam-yj5fv
    @atharvakadam-yj5fv Před 3 měsíci

    But bother how to invest for app or bank 🏧

  • @kishorunawane6503
    @kishorunawane6503 Před 4 měsíci

    अगर market substantially down हुआ तो?

  • @khajtak
    @khajtak Před 7 měsíci

    Do the yields of investment come tax free?

  • @user-kd9bx1lo3l
    @user-kd9bx1lo3l Před 6 měsíci

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

  • @almasfarogh120
    @almasfarogh120 Před 2 měsíci

    Yeh paisa Baad Mein nikal sakte hai Baad Mein ki nahi

  • @greenerygardenbyharishkuma1887
    @greenerygardenbyharishkuma1887 Před 8 měsíci +1

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

  • @sureshkatre732
    @sureshkatre732 Před 6 měsíci

    Nex month se hi Swp kare ki 5 sal bad sir

  • @pvenkateswarapratap2780
    @pvenkateswarapratap2780 Před 8 měsíci +2

    Monthly 8% is good

    • @rahul010101
      @rahul010101 Před 2 měsíci

      Kaha milta hai bhai...8% per month

  • @phuleshyam5583
    @phuleshyam5583 Před 2 měsíci

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

  • @sachinkore9616
    @sachinkore9616 Před 7 měsíci

    nice explanation
    can u suggest swp

  • @poojaverma-hh4ei
    @poojaverma-hh4ei Před 7 měsíci +1

    Can you suggest some good swp plan

    • @fincalc
      @fincalc  Před 7 měsíci

      you can invest in nifty mutual fund plan.
      Here's the video with calculations:
      czcams.com/video/H1qkfh8yz_4/video.html

  • @vipulgupta2453
    @vipulgupta2453 Před 2 měsíci

    Swp karne ke liye mutual fund me deposit karna padega pehle

  • @rambrikshprajapati6324
    @rambrikshprajapati6324 Před 7 měsíci +1

    Post offices ki MIS scheme ki Tarah hai

  • @MrPrasantmeher
    @MrPrasantmeher Před 22 dny

    Minimum kay hai swp pe

  • @amritchopra7996
    @amritchopra7996 Před 5 měsíci

    good

  • @AnantArolkar-xi3cb
    @AnantArolkar-xi3cb Před 6 měsíci

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

  • @husainahmad6424
    @husainahmad6424 Před 7 měsíci

    Kitne year ka plan hai mool dhan kab wapas hoga ,

  • @arvindpashilkar4744
    @arvindpashilkar4744 Před 4 měsíci

    Guarantee
    Agreament
    Manager..... comition

  • @rajmk3747
    @rajmk3747 Před 5 měsíci

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

  • @ajayarora3582
    @ajayarora3582 Před 7 měsíci +1

    Ram Ram ji

    • @fincalc
      @fincalc  Před 7 měsíci

      Jai Shree Ram 🙏

  • @Heartbeat-2012
    @Heartbeat-2012 Před 3 měsíci

    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
      @pramodsharma9262 Před 3 měsíci +1

      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
      @HarishMokari-wh3fe Před 2 měsíci

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

  • @viriventisatyanarayana9977
    @viriventisatyanarayana9977 Před 7 měsíci

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

    • @saubhikbhattacharjee6023
      @saubhikbhattacharjee6023 Před 7 měsíci

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

  • @swarajveer6360
    @swarajveer6360 Před 4 měsíci

    Bhai tax ka b bataya karo

  • @johnpinto7670
    @johnpinto7670 Před 8 měsíci +1

    It should be atleast 15-18%

    • @fincalc
      @fincalc  Před 8 měsíci +1

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

  • @mustaquealamchoudhury3657
    @mustaquealamchoudhury3657 Před 5 měsíci

    Will the invested amount remain same after maturity?

    • @PA_vlogs-rx8hx
      @PA_vlogs-rx8hx Před 5 měsíci

      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
      @born-victor Před 4 měsíci

      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.

  • @vikasmathur7276
    @vikasmathur7276 Před 4 měsíci

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

  • @krishnahegde4130
    @krishnahegde4130 Před 8 měsíci +2

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

    • @fincalc
      @fincalc  Před 7 měsíci

      made after your comment. Watch here:
      czcams.com/video/H1qkfh8yz_4/video.html

  • @vsrinivas7417
    @vsrinivas7417 Před měsícem

    SWP is taxable income or not.

    • @rams5474
      @rams5474 Před měsícem

      Taxable as per IT as Dividend hopefully

  • @mr.Lalitnarayan1989
    @mr.Lalitnarayan1989 Před 18 dny

    5k investment karo fir usko nikalo fund me farak nai hoga😮

  • @jithendramohanshetty8395
    @jithendramohanshetty8395 Před 8 měsíci

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

  • @neelatalati6026
    @neelatalati6026 Před 8 měsíci

    Mutual fund name to batao calculation pays hey

  • @thegaurav5363
    @thegaurav5363 Před měsícem

    kitne years tak withdrawal hoga ye?

    • @fincalc
      @fincalc  Před měsícem

      jab tak mutual fund account me balance hai tab tak

  • @vivekrupareliya9717
    @vivekrupareliya9717 Před 8 měsíci +2

    Exle file kaha milegi bhai?

    • @fincalc
      @fincalc  Před 8 měsíci

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