💵 SWP Strategy – Monthly Income from Mutual Funds
Retirement apram or regular income venumna mutual fund la SWP (Systematic Withdrawal Plan) use pannalam. Idhu SIP ku opposite concept.
📌 SWP Na Enna?
SWP na fixed amount regular interval la (monthly/quarterly) withdraw pannradhu.
✔️ Lump sum invest pannirupinga
✔️ Monthly fixed income receive pannalam
✔️ Remaining amount continue invest aagum
✔️ Monthly fixed income receive pannalam
✔️ Remaining amount continue invest aagum
📊 Example
₹10 Lakhs invest pannirukeenga. Monthly ₹10,000 SWP set pannirukeenga.
- Every month ₹10,000 bank account ku credit aagum
- Remaining amount fund la continue grow aagum
- Return withdrawal amount vida adhigama irundha corpus stable ah irukum
📈 SWP vs FD
| FD | SWP |
|---|---|
| Fixed Interest | Market Linked Returns |
| Entire amount locked | Flexible withdrawal |
| Interest fully taxable | Only capital gain portion taxable |
💰 Taxation in SWP
- ✔️ Only redeemed units capital gains taxable
- ✔️ Equity taxation rules applicable
- ✔️ Debt fund slab rate applicable
🎯 Who Should Use SWP?
- ✔️ Retired persons
- ✔️ Regular passive income seekers
- ✔️ Goal-based withdrawal planning
⚠️ Important Tip
Withdrawal rate fund return vida adhigama irundha corpus gradually reduce aagum. So sustainable withdrawal rate maintain pannunga.
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Disclaimer: Market returns are not guaranteed. SWP sustainability depends on fund performance.
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