Suitable funds for SWP | Systematic Withdrawal Plan | Explained in Hindi.
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- Опубліковано 21 сер 2024
- A systematic withdrawal plan (SWP) allows maintaining pre-planned cash flows by investments in mutual funds. A systematic withdrawal plan is most commonly used to get regular income after retirement. However, investors can structure and use SWPs for various payout needs.
Mutual Fund investments are subject to market risks, read all scheme related documents carefully.
The NAVs of the schemes may go up or down depending upon the factors and forces affecting the securities market including the fluctuations in the interest rates.
The past performance of the mutual funds is not necessarily indicative of future performance of the schemes.
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बहुत सुन्दर तरीके से आम बोलचाल में जानकारी के लिए साधुवाद
Fact ye hai ki mostly average salaried (Average earner) person after 35 age Investment start karte hai....kyonki surplus amount tabhi bachta chalu hota hai...jiska return 20 saal ya 30 saal baad milta....Aur shayad sabhi ko amount 40 to 50 me chahiye hota hai, Ghar, Gadi, Travel, Education, personal needs etc ke liye....60 age ke baad itna amount ka kya fayda....wo humare liye nahi bachho ke liye kam aata hai....aur koi bhi yesi scheme nahi hai Jo 5 saal ya 10 saal me lumpsum amount de for average earners ....agar hai tho please share....sabke liye bahut benificial hoga....
Sir u r god of finance planning 😉😉
Very good n informative videos.
Sir please do share your thoughts on HDFC BALANCED ADVANTAGE FUND for SWP....
Kindly suggest how index fund is useful for retirees
Looks very hypothetical.
Would be better if discussed with figures in Excel sheet.
Surprisingly you have not discussed the best performing 'Edelweiss BAF'
Edelweiss BAF follows an agressive Investment strategy. It's not only the returns but also stability and capital protection is important when you are talking about SWP. Edelweiss BAF can be considered for wealth accumulation.
Very nice knowledge for future 👌
Sir your knowledge and way to explain is really excellent.
Sri Krishna Bless you 🙏
Thanks for sharing knowledge for swp
Bahut hi behtreen jaankaari di aap ne..aapka har vedeo kaafi knowledgeable hota hai.....khhasker humlogon ke age waalon ke leye...hamara age 56 around hai..
Humne SBI BALANCE ADVANTAGE FUND mein Invest kia hai ....yeh kaisa rehega...kya switch kerna chahye aapke sujhaye hue funds mein...ya yeh bhi chalega....
SBI Balanced Advantage Fund is quite new and doens't have a sufficient performance history. Portfolio looks OK. You may stay invested.
ETF extended funds good or you suggested, please guide me because I retired in March 2022
One crore kaha se milega sir, 10 lac ka batayen jo next month se hum kitne swp karen aur hamara 10 lac badhta rahe, ten years ke liye
Dear sir Do not recommend Grow as it is charging hidden charges and saying it is charging zero commission it is false grow Chor hai
Best SWB PLANS with their returns for retired
Sir please share your thoughts on SBI EQUITY HYBRID FUND for SWP....
Good fund your withdrawal terget should be between 0.5 to 0.8 present of your investment amount ..
Sir, how is sbi equity balanced hybrid for swp?
It's a very new fund and doesn't have sufficient past performance history. It will be to early for me to analyse the fund. Portfolio looks ok.
Go for Hdfc balanced advantage fund
Sir 20000 per month 5 year tak pane ke liye Kitna invest karna hoga aur Kaun sa SWP sceam sahi rahega , please reply me Sir 🙏
25 lakh
Excellent 👍👍👍
Very nice sir ji
Worth information
Sir, MIP (monthly income plan)-Dividend plan kaisa rahega for retirement but tax jada katata hai kya
Tax related questions hai-tax kisme jada kat hota hai so dividend best hai ya swp best
Mutual fund me ab MIP category nahin hai.
@@pankajmathpal kotak debt hybrid fund (MIP ) hai
@@santoshprajapati9042 pahali baar yaha hai ki Kotak Debt Hybrid Fund ek conservative Hybrid Fund hai. Sebi ne Mutual Fund ki various categories banayi hain. MIP koi category nahin hai. Doosri baat yah hai ki Mutual Fund kisi bhi scheme me monthly income ki guarantee nahin hai. Teesri baat Dividend plan ki jagah ab 'Income Distribution Cum Capital Withdrawal Plan' (IDCW) hota hai. Yani ab Mutual Fund Me Growth and IDCW option hote hain dividend option nahin. Aap kisi bhi scheme ki sahi jankari ke liye us scheme ka Scheme Information Document (SID) padh sakte hain.
@@pankajmathpal ok
@@pankajmathpal sir maine kuch lumsump amount kotak debt hybrid fund (IDCW) me deposit Kiya tha and regular income ke liye dividend option rakha tha every month dividend aata hai but long term me ye scheme best hai swp option karna padega
Swp tax liability illaborate
Hlo sir ,sir swp bhi tu risky jaise share market main risky hota hain.please aap batye jis main risk bilkul kaam ho main Kahan investment karo.please suggest me sir please
Sir SWP start karna chahta hun my. upstox through kar sakta hu please suggest me.
Good Evening sir
Hello Sir ,Namashkar....mai aapki SUBSCRIBER hun ,.kya please aap samzayege ki hamara khud ka ghar hai mumbai me n small shop,rent mil raha hai 20 to25 thousands per month. 1yr.ke badh husband retire honge.Thoda education ke liye liya hua loan bhi hai..To mera question ye hai ki shop ko bechake (4000000/- mil sakta hai) and kahipar invest kare? for retirment ....Please pakka answer dena ,,samaz me nahi aa raha hai kya kar?
If i had to invest 50k as lumpsum with mutual funds that u listed.. how much should I set the interest rate as I m looking out for monthly income of 1000 to 1500Rs?.. Term is for 15 years
Monthly income of Rs. 1000 to Rs. 1500 after 15 years without considering inflation?
@@pankajmathpal both sir.. so that I can get an clarity
@@jackson89nirvana bhai 1.8 lakh karoge to 1000₹ month milega
@@stayhealthy9125 kon se fund me
Your withdrawal persentage should be 0.5 to 0.8 on your investment . PM
If only ten lakh invest in swp can a person get atleast ten thousand per month
Hdfc ballace advantage fund se kya dushmani hai sir
Very well explained..
Save people from grow as it is changing hidden charges
Thanku sir
Mere pas 7lakh rupees hai or hm SWP krna chahte hai,kha krna sahi rahega ,sath hi hme kitna % har mah lena uchit hoga jisme ki mera principal paisa bhi grow kre. reply please 🙏
Krva liye kya swp mujhe bhi krvani h
Is parag parikh flexicap fund good for swp?
Please tell risk anddrawback how to open account
Sir, pls give the communication details as we want to take your advice/help to create SWP portfolio as well as our retirement planning.
Regards 🙏
Sir how to consult you ok give address
Sir SWP karna hai Magar manthali nhi chahiye key yasa sistam hai
Main thirsty lac swp monthly income mutual fund mea investment karna chahta hoon sahi rahega.
Can you show how to invest in swp in mutual fund house online.
Sir swp khud kase kare.bank / App
Please video
Swp ke liye equity hybrid fund and debt hybrid fund sahi hai
Please comment
Yes
Sir, parag parig flexi cap fund mein avi invest chal rah hai ya close ho gaya mannagement k aur se . Please batayiye....
International schemes of various AMC are block temporarily by sebi. Soon it will start.
Pankajbhai
Sir swp kis app mein kar sakte hai please make video
Swp kaise shuru kare
Why not HDFC Balance Advantage Fund ?
sir me icici passive multi asset ya flexi cap me swp lena chahta hu aap g ki rai kya h
Sir my age is 39 years. i am planning to do investment of 70% of my lumpsum in equity hybrid/balanced fund SWP for period of 3 year max with withdrawal after 1 year to avoid STCG and reinvest it as SIP in selected MF. In first year i m planning to invest remaining 10% as lumpsum Nd 20% as SIP.. vl withdraw from SWP in case of bearish market opportunities to reinvest as lumpsump in other equity MF for long term... Is it ok .. or should i change my plan.. as my about to get my lumpsum pension benefit next month
Swp kaise aur kab ho sakti hai
For a NRI in their 50's, who plan to settle in india in next 3 to 4 years, how much should be the initial capital invested to earn 2 lakhs per month after tax and what can be the growth of the portfolio in 20 to 25 yrs, please suggest 5 to 6 good MF for this
2.5- 3 crores
If u invest in balance advantage fund, in 20 years you will get 12% cagr easily.. i repeat its cagr returns
How is bob mutual fund
Sir ji sbi bank ka bhi fand bhi batya karo
Sir can I consult with u personally?
Baroda Dynamic Equity Fund Kaisa hai Sir
Thoujand nahi.....thousand!
Ismy risk kitna hy
गुड इवनिंग सर। क्या SWP लार्ज कैप फंड या लार्ज कैप इंडेक्स फंड से किया जा सकता है कि नहीं।
किया जा सकता है लेकिन हाइब्रिड फंड्स में करना बेहतर है।
Swp me kitna amt withdraw karna chaiye. Sir suggest kare. 10 lac invested in any balance advantage fund.
6000/10lk
Hello sir for 50000 monthly income how much I need to invest in swp
When you withdraw a fix amount regularly through STP it's not only the profit you withdraw but the capital may also get reduced over a period of time. If you tell me that how long this arrangement should last then I can give you a correct answer. Please let me know how long do you want to get Rs. 50,000 per month.
🙏
jai hind sir
kya SWP me sirf profit nikal sakte he ?
No. Aapko manually karna padega automatic withdrawal ka option nahin hai.
How is aggressive hybrid fund for swp
Yes, can be considered.
Are both types under SWP?
Prefer Growth option for SWP..
Sirji , I am mf which is having expense ratio around d 1.75 and 1.9 . I purchased from nj wealth recently 6 months back . Please guide wat shd I do .
Expense ratio ke saath saath fund ki performance bhi Janna jaroori hi. Aap mutual fund ka jo return dekhte hain wo net of expenses hota hai. Isliye yadi kisi scheme ka expense ratio adhik hai lekin uske babjood bhi wo scheme achha return de pa rahi hai to usme invest karne me koi burai nahin hai. Aap direct plan me swith kar sakte ho. Usme expense ratio regular plan ke mukable Kam hota hai.
@@pankajmathpal thanx sir for your help and quick response. 🙏
Can you plz guide for lumpsum or any other method for good returns in MF or other. Thanks once again
Monthly jo payment aata hai kya ushe har month nikal sakte hai kya?
Yes
Paisa dubne ka kitna ℅chance hota h sir
@@SantoshSingh-ck3wb Mutual Fund me invest market linked hota hai. Isme utaar-chadaav ki sambhavna bani rahti hai lekin market neeche jayega to oopar bhi aayega. Isliye long term me paise doobne kee sambhavna khatam ho jati hai. Mutual funds ko professionals manage karte hain.
@@SantoshSingh-ck3wb axis mein abhi ghotala hua hai, usse pehle franklin mein hua, aaj tak paisa nahin mila... Soch samajh kar
SWP withdrawal per tax kya lagta hai
Yes.
🙏🙏🙏
Sir kemon achen? Khub bhalo video. Sir Edelwise BAF ka naam nahi bola?
Edelweiss BAF follows a different model. I don't find it suitable for SWP after retirement. Otherswise it can considers for investment.
Very nice explanation sir
@@pankajmathpal edelweiss differ model ke baare me jarur btana sir
I have a question why so confusion and complicated.. why not simplified it. If I am doing sip for my retirement in 6 mutual funds in pure equity then after retirement I should stop all my sip in all the fund and should setup SWP in all these funds of 5-6% per anum because all expert including you that in long term equity is best for return. Aur retirement bhi long term hi hota hai.....Mere khayal me iske 2 fayde honge
1) is complicated proceeding se bach paunga
2) mera corpus LTCG se bhi bachega aur mera ltcg se bacha paisa bhi grow karega.
Reply me is this correct approach or not. if not then why ???
There is no certainty in swp
large cap funds are better for SWP.
Ok. Your money, your choice. For me downside protection is equally important as upside when planning for regular income.
SWP EK DHOKA HAI
1 karodo...🙄
We can't invest lumpsum in equity savings or balanced fund as it is risky
U really think 1cr leke koi aapki video kekhne baitha hoga
Take realistic no.
Do you think Rs. 1 Cr is really a big amount for a person who is retiring? If I give an example of an smaller amount then that will not be a realistic example. I'm talking about SWP and not SIP.
Kuch bhi palle nahi pada
Pahle aap mere basic investor education Wale video dekhiye fir aapko ye sab samjh aayega.
🙏🙏🙏🙏
सर आपका फोन नंबर दे दो.