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35-Year-Old With 1.7 Crore Portfolio: Is SWP the Best Option for Retirement?

Ramalingam

Ramalingam Kalirajan  |6558 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Sep 04, 2024

Ramalingam Kalirajan has over 23 years of experience in mutual funds and financial planning.
He has an MBA in finance from the University of Madras and is a certified financial planner.
He is the director and chief financial planner at Holistic Investment, a Chennai-based firm that offers financial planning and wealth management advice.... more
Asked by Anonymous - Aug 24, 2024Hindi
Money

Hello Sir,My age is 35 and I am having portfolio of 1.7 crore in mutualfund. I am planning to retire in next 2 years. My annual expenses is 10 lakh. Is SWP best option to meet my annual expenses adjusted to inflation.

Ans: You have done well by accumulating Rs 1.7 crore in mutual funds at 35. Planning to retire in the next two years shows your clear vision for the future. Your current annual expenses are Rs 10 lakh, and adjusting these for inflation is crucial.

However, with an early retirement, your portfolio must support your expenses for a longer period. A detailed review of your situation is necessary before deciding if a Systematic Withdrawal Plan (SWP) is the best option for you.

Understanding SWP for Retirement Income
SWP is a popular method to generate regular income during retirement. It allows you to withdraw a fixed amount from your mutual fund investments periodically. This approach helps in managing cash flow while keeping your remaining investments intact to continue growing.

SWP offers several benefits:

Regular Income: SWP provides a steady income stream, which is critical during retirement. You can choose the frequency of withdrawals, be it monthly, quarterly, or yearly, based on your needs.

Flexibility: SWP offers flexibility in the amount and timing of withdrawals. This can be adjusted over time to meet your changing needs.

Tax Efficiency: SWP is more tax-efficient than withdrawing a lump sum. Only the gains portion of each withdrawal is taxed, while the principal is tax-free.

Control Over Investments: Unlike annuities, SWP allows you to maintain control over your investments. Your funds remain invested in the market, providing potential for further growth.

Despite these benefits, it's important to assess whether SWP alone can sustain your retirement needs. SWP works best when paired with other strategies to ensure you don’t outlive your savings.

Evaluating Inflation Impact on Expenses
Inflation can erode your purchasing power over time. With Rs 10 lakh in annual expenses today, this amount will grow due to inflation. Your portfolio must generate enough returns to cover increasing expenses.

Rising Costs: Consider the impact of inflation on essential expenses like food, healthcare, and utilities. These costs tend to rise faster than the general inflation rate.

Lifestyle Maintenance: If you want to maintain your current lifestyle, your withdrawal rate must account for inflation. This means your SWP amount needs to increase over time.

Portfolio Analysis for Sustainable Withdrawals
Your current portfolio of Rs 1.7 crore must support withdrawals that cover your expenses, adjusted for inflation. To determine the best approach, we must analyze your portfolio's asset allocation and growth potential.

Equity Allocation: Equity investments offer higher growth potential but come with volatility. A significant portion of your portfolio should remain in equities to combat inflation and ensure long-term growth.

Debt Allocation: Debt investments provide stability and reduce risk. A portion of your portfolio should be in debt funds to protect against market downturns and provide a steady income.

Rebalancing: Regularly rebalance your portfolio to maintain the desired asset allocation. This ensures your portfolio stays aligned with your risk tolerance and financial goals.

Importance of Active Fund Management
Since you have invested in mutual funds, it's vital to focus on actively managed funds rather than index funds. Actively managed funds can adapt to market conditions, seeking to outperform the market.

Expert Management: Professional fund managers actively make decisions to maximize returns. They adjust the portfolio based on market trends, which can lead to better performance compared to index funds.

Flexibility: Active funds offer flexibility in adjusting to market changes. Fund managers can shift between sectors or asset classes based on their outlook, providing better risk management.

Growth Potential: Over time, actively managed funds have the potential to deliver higher returns, which is essential to meet your increasing expenses due to inflation.

Disadvantages of Direct Funds
Investing directly in mutual funds might seem cost-effective due to lower expense ratios, but it comes with several drawbacks. Here’s why investing through a Certified Financial Planner (CFP) is more beneficial:

Lack of Guidance: Direct funds require you to make all investment decisions. This can be challenging without expert guidance, especially during market downturns.

Missed Opportunities: A CFP can help you identify investment opportunities that align with your goals. Without their expertise, you may miss out on better-performing funds.

Portfolio Monitoring: A CFP regularly monitors your portfolio, ensuring it remains aligned with your objectives. Direct fund investors often overlook the need for periodic review and rebalancing.

Emotional Discipline: Investing through a CFP helps maintain emotional discipline. They prevent panic-driven decisions during volatile markets, which can negatively impact your long-term goals.

Diversifying Your Retirement Strategy
Relying solely on SWP for retirement income might not be sufficient. It’s wise to diversify your income sources to reduce risk and ensure a stable income throughout retirement.

Staggered Withdrawals: Consider staggering your withdrawals across different time frames. This allows your investments to grow while providing regular income.

Multiple Income Streams: Look into creating multiple income streams, such as dividends from equity funds or interest from debt funds. This reduces the reliance on SWP alone.

Partial Annuitization: While annuities are generally not recommended, a small portion of your portfolio could be used for annuitization. This provides guaranteed income and reduces longevity risk.

Emergency Fund and Contingency Planning
An emergency fund is essential during retirement. It ensures you don’t have to dip into your long-term investments for unforeseen expenses.

Liquidity: Keep at least 6-12 months of expenses in liquid funds or short-term debt funds. This provides quick access to cash when needed.

Contingency Fund: Set aside a contingency fund for unexpected expenses like medical emergencies or major repairs. This prevents the need to withdraw from your investment corpus prematurely.

Aligning Your Retirement Goals with Lifestyle Choices
Your retirement goals should reflect your desired lifestyle. It’s important to plan for various aspects, such as travel, hobbies, or relocation, which can significantly impact your expenses.

Lifestyle Cost: Estimate the cost of maintaining your current lifestyle during retirement. This includes discretionary spending like travel, entertainment, and hobbies.

Healthcare Needs: Healthcare expenses typically rise with age. Ensure your plan accounts for these costs, including regular check-ups, medications, and potential long-term care.

Family Considerations: If you have dependents, consider their needs in your retirement plan. This could include supporting a spouse, children, or aging parents.

Tax Efficiency in Withdrawals
Tax efficiency is key to preserving your retirement corpus. By planning your withdrawals strategically, you can minimize tax liabilities and retain more of your investment returns.

SWP Taxation: In an SWP, only the gains portion is taxable. This is more tax-efficient than withdrawing a lump sum, where the entire amount may be subject to taxation.

Capital Gains Management: Manage your capital gains to stay within lower tax brackets. This can be achieved by timing your withdrawals to minimize taxable gains.

Tax-saving Strategies: Explore tax-saving strategies like investing in tax-efficient funds or utilizing Section 80C deductions. While these should not be the primary focus, they can help optimize your overall tax situation.

Regular Portfolio Review and Adjustments
Retirement planning is an ongoing process. Regularly reviewing your portfolio ensures it remains aligned with your changing needs and market conditions.

Annual Reviews: Conduct an annual review of your portfolio to assess its performance. Make adjustments as needed to maintain your desired asset allocation.

Market Changes: Stay informed about market trends and economic conditions. Adjust your investment strategy if necessary to protect your portfolio from adverse market movements.

Life Changes: Major life events like marriage, birth of a child, or relocation can impact your retirement goals. Ensure your plan reflects these changes.

Final Insights
You’ve done an excellent job accumulating Rs 1.7 crore at 35, and planning to retire in two years is a commendable goal. While SWP offers a reliable income stream, it’s important to consider other strategies to ensure your retirement corpus lasts throughout your life.

Focus on maintaining a balanced portfolio with a mix of equity and debt funds. This will provide both growth and stability. Rely on the expertise of a Certified Financial Planner to guide your investments and help you make informed decisions.

Remember, retirement planning is not just about accumulating wealth but also about preserving it. With a well-thought-out strategy, you can enjoy a comfortable retirement without financial worries.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
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.
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Ramalingam

Ramalingam Kalirajan  |6558 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 06, 2024

Asked by Anonymous - Apr 12, 2024Hindi
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Sir, I am 59 years old, will retire in January 2025, I want to make SWP of Rs.30 lakh so that I can get Rs 20K monthly pension. Which fund I will select and how to invest ?
Ans: As you approach retirement, it's essential to plan for a steady income stream to support your lifestyle. Here's how you can achieve your goal of setting up a Systematic Withdrawal Plan (SWP) to generate Rs. 20,000 monthly pension from a Rs. 30 lakh corpus:

• Given your age and the need for stable income, consider investing in debt mutual funds or conservative hybrid funds.
• These funds typically invest in fixed-income securities like bonds and offer regular income through dividends or SWPs.

• Look for funds with a track record of consistent returns and a focus on capital preservation.
• Conservative debt funds or monthly income plans (MIPs) may be suitable options for generating steady income while minimizing risk.

• Calculate the SWP amount needed to generate Rs. 20,000 monthly pension from your Rs. 30 lakh corpus.
• Consider factors such as expected returns, withdrawal frequency, and fund expenses when determining the SWP amount.

• It's crucial to review your investment portfolio regularly and adjust your SWP amount as needed based on market conditions and your financial goals.
• Consult with a Certified Financial Planner to help you select the appropriate mutual fund and set up the SWP to meet your retirement income needs.

• Ensure you have a contingency fund set aside for emergencies to cover unexpected expenses during retirement.
• Additionally, consider diversifying your retirement income sources, such as annuities or senior citizen savings schemes, for added financial security.

By carefully selecting the right mutual fund and setting up a disciplined SWP strategy, you can create a reliable income stream to support your retirement lifestyle. Stay focused on your financial goals and consult with a financial advisor for personalized guidance tailored to your needs. Best wishes for a happy and fulfilling retirement!

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Ramalingam

Ramalingam Kalirajan  |6558 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jul 17, 2024

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I will be retiring In July 2024 . I am planning to invest 50 lac through SWP for a regular income . Where should I Invest i.e. which mutual funds and in what propertion . What should be my withdrawal % to ensure that my invested capital grows o=ver a period of 10 years substantially . Jagannath Khuntia
Ans: You plan to retire in July 2024.

You want to invest Rs. 50 lakhs for regular income through SWP.

You want your capital to grow over 10 years.

You need a balanced investment plan.

Systematic Withdrawal Plan (SWP)

SWP allows you to withdraw a fixed amount regularly.

It provides a steady income stream.

It is tax-efficient compared to traditional options.

Investment Allocation

Diversify your Rs. 50 lakhs investment.

Allocate funds across different mutual fund categories.

Equity Mutual Funds

Equity funds provide high growth potential.

They can offer 10-12% returns over the long term.

Consider allocating 60% of your corpus here.

Hybrid Mutual Funds

Hybrid funds balance risk and reward.

They invest in both equity and debt.

Consider allocating 30% of your corpus here.

Debt Mutual Funds

Debt funds provide stability and regular income.

They are less volatile than equity funds.

Consider allocating 10% of your corpus here.

Avoiding Index Funds

Index funds passively track the market.

They lack active management, which can limit returns.

Actively managed funds can outperform index funds.

Disadvantages of Direct Funds

Direct funds may seem cheaper but need expertise.

Regular funds, through a Certified Financial Planner, offer professional management.

They provide personalized advice and ongoing support.

Withdrawal Percentage

A safe withdrawal rate is 4-5% per year.

This ensures that your capital grows over time.

For Rs. 50 lakhs, a 4% withdrawal equals Rs. 2 lakhs per year.

Tax Efficiency

Equity funds are tax-efficient for long-term gains.

Hybrid funds also offer favorable tax treatment.

Debt funds provide stability with lower tax efficiency.

Regular Review

Review your portfolio regularly.

Adjust allocations based on market performance.

Seek advice from a Certified Financial Planner for tailored strategies.

Final Insights

Your investment should balance growth and stability.

Diversify across equity, hybrid, and debt funds.

A safe withdrawal rate and professional guidance ensure long-term growth.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |6558 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Aug 05, 2024

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Good evening Sir ; My queries are regarding SWP for really long term periods appx. 40 years . I am expecting a corpus about 3Cr. in the year 2030 when I will be retiring . My son is having ASD ( Autism ) thus very less scope to earn and manage finance independently in his carrier . So , I am planning to manage my corpus such a manner so that he will survive from this corpus till his 60 years of age . For that , I need to generate sufficient fund for more or less 40 years i.e. till 2070 . I am expecting a corpus of Rs. 3 cr. at the year 2030 , 100 % of which will be contributed by MF . Now , I am thinking to put the entire sum in SWP , in order to generate a regular monthly income because I don't see FD or other regular income schemes are not viable to produce a constant flow during such a long period . That's why , I am seeking your novel advices / guidelines in order to prepare a sustainable roadmap towards my future financial planning . for further information , I am assuming three of us will stay together till 2050 & my son will be alone say another 20 years . Also , I am expecting to withdraw 1.5 L per month from 2030 onwards which is divided into 3 equal proportion ( 50k x 3 ) , assuming there will be an average inflation of 6% throughout the time period ( as per inflation history of India since independence ) of 40 years . Now my questions are : 1. Is SWP the right method to sail through this journey comfortably ? Seek your advice for any better path / combination . 2 . What's the tax implication in SWP ? Kindly elaborate a little . 3 . If possible , kindly suggest the best fund ratio for SWP understanding my facts . I am available to provide any further information regarding this . thanking you in advance ; very best regards ; Suprabhat Jatty
Ans: Your concern for your son's future is commendable. Your goal of generating a steady income stream for 40 years through a Systematic Withdrawal Plan (SWP) is a prudent approach given your circumstances.

Addressing Your Questions
1. Is SWP the Right Method?

SWP is a viable option for generating a regular income from your corpus. It allows you to benefit from potential market growth while providing a steady cash flow.
However, it's essential to consider the following:
Market volatility: The value of your corpus will fluctuate with market conditions. This can impact the sustainability of your withdrawals.
Inflation: You've correctly identified inflation as a significant factor. It's crucial to ensure your withdrawal amount keeps pace with inflation to maintain your purchasing power.
Emergency fund: Having a separate emergency fund is advisable to cover unexpected expenses without dipping into your SWP.

2. Tax Implications of SWP
Debt Fund capital gains: If you redeem units, you'll pay capital gains tax, which is added to your income and taxed at your applicable income tax slab.

Long-term capital gains in equity funds: If you redeem units held for more than a year, you'll pay a long-term capital gains tax of 12.5% on the gains exceeding Rs. 1.25 lakh in a financial year.

3. Best Fund Ratio for SWP

Diversification is key. Considering your long-term horizon and the need for income, a balanced approach is recommended.
A mix of equity and debt funds can help manage risk and return.
The exact ratio will depend on your risk tolerance and the market outlook. A typical starting point could be a 60:40 equity-debt mix, but this can be adjusted based on your financial advisor's recommendations.
Regular rebalancing is crucial to maintain your desired asset allocation.

Ensuring Long-Term Sustainability
Regular Review
Annual Review: Regularly review the performance of your investments and the adequacy of the withdrawal amount.

Adjust Allocations: Adjust the equity-debt ratio if needed to maintain the corpus value.

Diversification
Multiple Funds: Invest in a variety of mutual funds to spread risk and enhance returns.

Rebalancing: Periodically rebalance the portfolio to maintain the desired equity-debt ratio.

Professional financial advice: Given the complexity of your situation, consulting with a financial advisor can provide tailored recommendations.

Final Insights
The SWP strategy is suitable for your long-term financial goals. It provides a stable income while allowing for potential growth. Keep in mind the tax implications and the need to adjust for inflation. A balanced mix of equity and debt funds will help in managing risks and ensuring sustainability.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

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Hello, My current age is 42. Our combined post tax salary is around 6.25 lakhs. We have around 50L in mutual funds, 80L in direct stocks, 14L in gold, 30L in NPS, 31L in PPF, 21L in SSY and 2.5cr in real estate. Our current household expenses are around 1.5L per month and we are contributing 1L/month to NPS, 2L/month to SIP, 20K/month to direct stocks,1.5L/yr to PPF, I.5L/yr to SSY. We have an EMI of 50000/month for next 5 years .Our kids are 12 years and 10 years. We want a corpus of 4 cr for their higher education and of 1cr for their marriage. We are living in a company provided accommodation and plan to live in it till requirement.We want a 4L monthly pension and don't have a home right now. If we are planning to retire at 55, how should we manage our finances?
Ans: Hello;

Since NPS will be available only after you reach 60 and no info. about any rental income from real estate investment hence both are kept out of our purview.

1.Higher education goals for children typically start after 12th so we have 6 to 8 years for kid's education financial goal(4 Cr) attainment.

I have split it in two tranches:
A. 2 Cr after 6 years
B. 2 Cr after 8 years

For achieving target A following will work:
Direct stocks corpus of 80 L will grow into a sum of 1.5 Cr after 6 years. (Moderate return of 11% assumed)

PPF corpus and contributions will grow into a sum of 50 L+ after 5 years block when you may withdraw this corpus towards this goal. (6.9% return considered)

So 1.5 + 0.5=2 Cr

For fulfilling target B following will work:
MF corpus of 50 L will grow into a sum of 1.15 Cr after 8 years. (11% return considered)

50% of SSY corpus eligible for withdrawal expected to be around 27.85 L. (8% return assumed)

Direct stock monthly sip of 20 K will grow into a sum of 30.85 L in 8 years.(11% return considered)

Gold corpus of 14 L will grow into a sum of 24.05 L. (7% growth assumed)

So 1.15+27.85+30.85+24.05~~2 Cr

2. Target for Marriage of offspring:
1 Cr.
3. Retirement pension: 4 L per month
13 years from now.
Investible surplus left after all monthly investments utilized for fulfilling above targets should be immediately redirected to monthly SIPs in mutual funds. That includes 20 K direct stock sip, 12.5 K/pm SSY investment after 8 years from now and 12.5 K/pm PPF investment 5 years from now.

Also the 50 K getting free from loan EMI after 5 years should be converted into a mutual fund SIP.

After accounting for monthly expenses and monthly investments, from the balance 80 K, I would suggest you to deploy 50 K into MF sip since it will help in target achievement.

So summarily 12.5 K/8 yr, 12.5 K/5 yr, 20 K/5 yr, 50 K/8 yr and 250 K/13 yr will yield you a comprehensive corpus of 9.89 Cr. Add balance 50% SSY corpus of 27.5 L to this and your total corpus comes to 10.16 Cr. (MF returns assumed at a modest 11%)

Earmark 1 Cr for offspring wedding as envisaged.

Net retirement corpus will be 9.16 Cr. An immediate annuity at 6% will yield you a monthly income of 4.58 L from the age of 55 as planned.

You may use commutable corpus of NPS(60%) to buy your house. While NPS annuity portion(40%) may yield you a delta per month so as to have post tax income of 4 L per month.

This looks achievable because you have managed your finances and investments outstandingly well.

I discourage people to take direct stocks exposure especially when they are nearing the retirement but if you have the knowledge and temperament you may dabble into it subject to some minimum amount earmarked as risk capital.

I am sure you have adequate insurance cover for life and health.

Kudos again to your meticulous fiscal planning and execution.

Happy Investing!!

*Investments in mutual funds are subject to market risks. Please read all scheme related documents carefully before investing.

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No, you are not thinking right at all...This man is all RED FLAGS...
Are you actually thinking of spending one year with a person who physically abuses you? Seriously?
And then you expect him to agree to that divorce without any fuss? What world are you in? No compromises on your life please...
Be wise and protect yourself...

All the best!
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Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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