Very nicely explained. I will request you to give a calculation on the same assumption for the second part about transferring from euity to debt fund for inflaton. Also name some debt funds giving >=12% returns now.
Swp can be done from a balance adv. fund after 1 year which will not attract tax like debt fund. It will be taxed as in LTCG. BAF funds also have good balance of portfolio
Pl let me know thd taxation on balance advantage fund will be taxed like equity only ....so after 1 year it will not attract tax if withdrawal is within 1.25 lakhs in z Financial year. Whereas for a debt fund within a year if withdrawal is done it attract short term capital gsin. So withdrawal after 3 years will not be taxed if fine after 3 years of investing
Sir I was also planning to plan this type of calculation for my father's retirement But couldn't get the idea to optimise it because I am totally agree to thought of yours that when equity will fall short in planning as more units will be sold during those period Thank you so much for giving a decent plan and resuffling plan
Parimal Sir - This was a really nice and informative detail which you shared. It changed my perspective for SWP, this bucket SWP strategy looks promising.
How about letting the equity portfolio compound while short-term needs are met by income from FDs divided between the retired husband and wife? The size of the FDs can be increased over time from the equity portfolio's profits to deal with the inflation.
13 L to refill the bucket if market does good and 12 L swp from debt fund for personal expense, won't this be attaracting too much tax liability in single calendar year compared to 12L swp from direct equity mutual funds??
Why everyone complicates....i too learned it too late.....why can't we just check the amount withdrawn each year... Like 3.5% in this case... It will keep the amount withdrawn in check during falls keeping withdrawal time planned in check always
How is the idea of foing SWP from conservative hybrid and BAFs. Debt funds may also give muted returns for 2 consecutive years there are also chances of withdrawal from principal amount.
Bro , simple keep it in gilt fund( but need to check SWP avaible or not 😂) ,your risk will be very low ,they are put your money in G-sec ,or else you can bucket with simple FD on different small finance Bank with 9 percent interest rate ( RBI guarantee upto 5 lacks)
Parimal Sir. Good Evening I really appreciate your contribution to educate the common man. I request you to kindly make a video to explain retirement corpus investment strategies for a pensioner (Government DA linked pension for self and family pension too after his death). Regards.🙏🏻🙏🏻
Thank You, Good bucket strategy, if 12lakh/per year, for 5 year 60lakh in debt fund, remaining available corpus in equity fund. Is my understanding correct. after 5years negligible amount will be in debt bucket..
You didn't understand the 2nd part. Where he said if the equity market performs well you should refill your debt bucket( transfer of one year's expenditure to debt bucket from equity) but if equity doesn't give expected return then don't need to refill. In a five year cycle market (equity) bound to perform well at least 1-2 years, in that way you will have some money left after 5 years in debt bucket.
multibegger stock analysis details result review follow for advance analysis Nifty and Smallcap are at support levels. How should you approach this? I’ve created a detailed video explaining it
Bucket strategy is bad. If the investor is comfortable with only 3.5% withdrawal per year then he should do SWP directly from his mutual funds. Its tax efficient that way and also elegant and simple
What about 12.5% of long term capital gain on 5 years amount transferred to the bucket in the debt fund? I guess this will be a wrong way to do SWP. Better to do SWP directly from your MF. It will save lots of tax.
I will be forever thankful 🙏 to miss( Asa) for his amazing performance and dedication, she is just too good in trading, she has proven to me her skills in trading Thanks very much miss (Asa)🎉🎉❤❤
This was something new ! Quite logical and optimal withdrawal solution. Good recommendation .
Very nicely explained. I will request you to give a calculation on the same assumption for the second part about transferring from euity to debt fund for inflaton. Also name some debt funds giving >=12% returns now.
literally learned something new.. Most of the so called finfluncer were saying something else u gave a new and logical perspective
Great Idea, very practical approach. Thanks for sharing such simple and clear guidance
Great withdrawal idea for retirees. Thank you
Thanks This is really a good solution for retirement.
Should make a video with giving good examples and scenarios
This was already in my mind.
Very very logical and practical way of implementing retirement .that is the best
Wow good insights from expert
Well said. I was thinkiing debt fund for 3 years
Need more insight into it and detailed video in this.
For one lack monthly expenditure, how much money requires to invest in debt fund,then only other things can consider.
I was looking for an optimal answer to this question. Finally Got one!
Same to me
This is new to me. Amazing information. Thanks for sharing.
Brilliant Information
This is a very good suggestion. Thanks
Swp can be done from a balance adv. fund after 1 year which will not attract tax like debt fund. It will be taxed as in LTCG. BAF funds also have good balance of portfolio
Balance Advantage fund alongwith Multi Asset fund
What about conservative hybrid fund.. Will this have LTCG
Pl let me know thd taxation on balance advantage fund will be taxed like equity only ....so after 1 year it will not attract tax if withdrawal is within 1.25 lakhs in z Financial year.
Whereas for a debt fund within a year if withdrawal is done it attract short term capital gsin. So withdrawal after 3 years will not be taxed if fine after 3 years of investing
Adding something valuable information every time I listen you!🙏
Awesome suggestion ❤
Extremly practical and thoughtfull advice. As always your such short videos are nector of profound knowledge.
Sir I was also planning to plan this type of calculation for my father's retirement
But couldn't get the idea to optimise it because I am totally agree to thought of yours that when equity will fall short in planning as more units will be sold during those period
Thank you so much for giving a decent plan and resuffling plan
fantastic 👌👌👌👌
Thank you so much Parimal Sir. This is an absolutely new thing which I learnt today 🙏🙏
This is fantastic advice. 🙏
Why not conservative hybrid fund?
Good one! really liked this advice!
Very informative ❤
Very good bucket strategy
Thank you parimal Sir
Good insights, what about the withdrawal rate?
Fabulous ❤❤
Parimal Sir - This was a really nice and informative detail which you shared.
It changed my perspective for SWP, this bucket SWP strategy looks promising.
Correct 👍 thanks
Good one!
V nice video 👍
U both of you genious and trustworty persons in you tube and share market
Good Suggestion
Nice idea
very innovative ..
अच्छी रणनीति
Super sir
Super sir salute
How about letting the equity portfolio compound while short-term needs are met by income from FDs divided between the retired husband and wife? The size of the FDs can be increased over time from the equity portfolio's profits to deal with the inflation.
Hi SWP from Debt funds will atract 30% tax on capital immidiately
No.. it's on income tax slab rates... He is already retired and he will not be having any source of income...
Swp on debt fund: how is the tax trestment pls
Good swp plan
Profound
Sir which catagory of debt fund is good for SWP ?
Yes nice
Sir, why not use a multi-asset or a hybrid fund which will the same portfolio adjustment as you were referring to?
What about Tax or Nirmala ji...?
logical video .
13 L to refill the bucket if market does good and 12 L swp from debt fund for personal expense, won't this be attaracting too much tax liability in single calendar year compared to 12L swp from direct equity mutual funds??
Why everyone complicates....i too learned it too late.....why can't we just check the amount withdrawn each year... Like 3.5% in this case... It will keep the amount withdrawn in check during falls keeping withdrawal time planned in check always
Sir Please Upload Only 2 Videos Every Week ❤❤
Don't you think withdrawing Worth 5 years worth of expenditure at one go will entail huge LTCG. ?
How is the idea of foing SWP from conservative hybrid and BAFs.
Debt funds may also give muted returns for 2 consecutive years there are also chances of withdrawal from principal amount.
Bro , simple keep it in gilt fund( but need to check SWP avaible or not 😂) ,your risk will be very low ,they are put your money in G-sec ,or else you can bucket with simple FD on different small finance Bank with 9 percent interest rate ( RBI guarantee upto 5 lacks)
What will be the opportunity growth lost by moving 60 lakhs from equity to debt?
What if equity market falls more than 20 percent 😂 and then muted over 2-4 years
Parimal Sir.
Good Evening
I really appreciate your contribution to educate the common man.
I request you to kindly make a video to explain retirement corpus investment strategies for a pensioner (Government DA linked pension for self and family pension too after his death).
Regards.🙏🏻🙏🏻
Thank You, Good bucket strategy, if 12lakh/per year, for 5 year 60lakh in debt fund, remaining available corpus in equity fund. Is my understanding correct. after 5years negligible amount will be in debt bucket..
You didn't understand the 2nd part. Where he said if the equity market performs well you should refill your debt bucket( transfer of one year's expenditure to debt bucket from equity) but if equity doesn't give expected return then don't need to refill. In a five year cycle market (equity) bound to perform well at least 1-2 years, in that way you will have some money left after 5 years in debt bucket.
Intention is to always have 5 years of inflation linked amounts in debt fund for swp by harvesting gains as and when from equity
Why 5 years?
I prefer 3 years
Won't it be tax inefficient? Capital Gains once form selling equity mf and then again from debt mf?
True
multibegger stock analysis details result review follow for advance analysis
Nifty and Smallcap are at support levels. How should you approach this? I’ve created a detailed video explaining it
not at all tax efficient way. misguiding people. Please explain how to save taxes also along with your approach.
💯
Bucket strategy is bad. If the investor is comfortable with only 3.5% withdrawal per year then he should do SWP directly from his mutual funds. Its tax efficient that way and also elegant and simple
What about 12.5% of long term capital gain on 5 years amount transferred to the bucket in the debt fund? I guess this will be a wrong way to do SWP. Better to do SWP directly from your MF. It will save lots of tax.
I will be forever thankful 🙏 to miss( Asa) for his amazing performance and dedication, she is just too good in trading, she has proven to me her skills in trading
Thanks very much miss (Asa)🎉🎉❤❤
Yes that’s her name miss Asa
Many people recommended her highly about her, I’m just starting with her from India living in Australia 🇦🇺