विशेषज्ञ की सलाह चाहिए?हमारे गुरु मदद कर सकते हैं

वित्तीय विशेषज्ञ की SWP सलाह: क्या मैं बेहतर रिटर्न की उम्मीद कर सकता हूँ?

Milind Vadjikar | Answer |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Apr 22, 2025

Milind Vadjikar is an independent MF distributor registered with Association of Mutual Funds in India (AMFI) and a retirement financial planning advisor registered with Pension Fund Regulatory and Development Authority (PFRDA).
He has a mechanical engineering degree from Government Engineering College, Sambhajinagar, and an MBA in international business from the Symbiosis Institute of Business Management, Pune.
With over 16 years of experience in stock investments, and over six year experience in investment guidance and support, he believes that balanced asset allocation and goal-focused disciplined investing is the key to achieving investor goals.... more

Question by Shaming on Apr 22, 2025English

Listen

नमस्कार....मैंने SWP पर वित्तीय विशेषज्ञों के कई वीडियो देखे हैं, जो बेहतर रिटर्न की बात कर रहे हैं, उदाहरण के लिए यदि मैं 12% रिटर्न की उम्मीद में 1.25 करोड़ रुपये म्यूचुअल फंड में निवेश करता हूं और 15 से 20 साल तक हर महीने 1 लाख रुपये निकालता हूं, तो मेरी जमा राशि उतनी ही या उससे भी अधिक होगी...यदि हां, तो कृपया कुछ बेहतरीन SWP फंड सुझाएं।

Ans: नमस्ते;

YouTube पर फिनफ्लुएंसर के वीडियो देखकर अपने व्यक्तिगत वित्त का प्रबंधन करना आपके वित्तीय स्वास्थ्य के लिए हानिकारक हो सकता है।

कभी भी इसके झांसे में न आएं क्योंकि इसमें निहित स्वार्थ होते हैं। ध्यान रखें कि अगर कोई चीज मुफ्त में उपलब्ध है तो आप ही उत्पाद हैं।

किसी निवेश सलाहकार या प्रमाणित वित्तीय योजनाकार से सलाह लेना बेहतर होगा।

शुभकामनाएं;

Asked on - Apr 24, 2025 | Answered on Apr 24, 2025

Thankyou millind sir for your valuable suggestion...and yes you are correct sir but I have already consulted to two persons one is a fund manager in IIFL and another is financial planner in motilal Oswal...wanted to be more clear on SWP concept.....as I want to invest a big amount from my hard earning for my future

Ans: Hello;

What is your current age?

Please confirm.

Thanks

Asked on - Apr 24, 2025 | Answered on Apr 25, 2025

My age Is 46 sir....i have started my business carer since I was 14 years as I lost my father too early.......so I am planning to retire a bit early roughly at d age 55 ....so I needed the SWP details sir....thankyou ...

Ans: Hello;

If you need 1 L per month post tax income from SWP you would need a minimum corpus of around 3.5 Cr.

SWP basically stands for systematic withdrawal plan.

Obviously since it's your retirement corpus so absolutely no point in putting it in pure equity funds considering the high risks involved.

Therefore retirement corpus may be invested in conservative hybrid debt funds which have low allocation to equity.

The returns from these type of funds generally range between 7-9%.

The rate of withdrawal i.e. SWP rate therefore ideally may be between 3-4% and not more.

The fund should last you for your retired life providing steady inflation adjusted income as well as not depleting in value below your corpus amount which is a risk if market yields negative or flat returns.

The fund may be giving modest returns but selection criteria should focus on low risk fund portfolio by equity investment majorly in diversified large caps and debt investment majorly in sovereign, PSU, AAA rated bonds.

Monthly income from immediate annuity, bank FDs, rental from residential or commercial property, schemes such as POMIS, SCSS(after 60) etc may be utilised in tandem for generating income in retirement.

Best wishes;

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.