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Vivek Lala | Answer |Ask -Follow

Tax, MF Expert - Answered on Mar 09, 2024

Vivek Lala has been working as a tax planner since 2018. His expertise lies in making personalised tax budgets and tax forecasts for individuals. As a tax advisor, he takes pride in simplifying tax complications for his clients using simple, easy-to-understand language.
Lala cleared his chartered accountancy exam in 2018 and completed his articleship with Chaturvedi and Shah. ... more

Question by Jatin on Feb 20, 2024Hindi

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Hello MF Guru, as of today my mf investements stand at Rs.1.95 Cr and value of that investment stands at Rs. 2.60 Cr with XIRR of 16%. Also I have invested 64 lacs in indian stocks, value of which is around 73 lacs at present. I want to know whether and how I can generate 1 lakh a month income 3 years from now without eroding the invested capital. Will it be possible to do that for next 40 years considering that portfolio will keep growing in future.

Ans: Hello, i am glad looking at the returns you have made investing on your own using mutual funds and equity.
We follow a thumb rule of withdrawal of 6% per year as SWP amount from the total portfolio
In your case after 3 yrs , your MF portfolio could be about 3.65crs at 12%
The SWP amount in such case will be Rs.182500 per month.
But since your need is 1L, your portfolio will be growing at a much higher rate as your SWP amount will be less than 6%
Assuming only 12% average returns over the next 20yrs, your portfolio amount will be approx 26crs
** I have ignored the investment you have in stocks as those can be very volatile and should not be used while calculating the SWP amounts

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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Hi Sir, I have following MF in my portfolio HDFC mid-cap Opportunity fund - 16.39lac ICICI Pru Large&Mid cap Fund - 9.96lac Nippon India large Cap fund - 10.15lac Nippon india small cap fund - 9.4lac ICICI pru Value discovery fund -9.35lac JM Flexicap fund - 7.39lac ICICI pru infrastructure fund 7.29lac HDFC large and mid cap fund - 6.29lac SBI long term equity fund - 4lac Motilal oswal midcap fund-25k In total 83lac. Please advise whether I can generate 75k per month income from the investment. Thank you in advance

Ans: Dear Ashok, Yes, you can generate ?75,000/month from your ?83 lakh investment portfolio with an average return of around 10-12% per year. Consider using SWP from your equity funds and rebalancing the portfolio to incorporate some safer, income-generating investments like debt funds for stability. Causion is if the returns goes below 12% in any of the Quarters your capital may deplete. and then you might have to reduce withdrawal. Suggesion is that withdraw 6% return only or increase your investments to 1.5 CR sothat your withdrawals exceed your rise in MF amount and your Capital is always protected.
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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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