⭐⭐IMPORTANT point to add: Don't do SWP above 0.75% of total investment (0.5% should be ideal to do). 1% is on high side and can be risky in case markets don't perform well. Before you start SWP, do make sure to move your funds to a less risky fund to reduce risk on investments. Thank you for watching the video. Don't forget to SUBSCRIBE before you go!

@devjani5878

4 ай бұрын

I'm a student, and I've lic policy amount of 40000rs. Can I invest this in swp?

@DrKallalPramanik

Ай бұрын

Bahut badiya, sir! SWP calculator ka link share kariyega please.

@manjeetbhandari7487

Ай бұрын

Q

@61plus

10 күн бұрын

How 1% of 1 crore become 1 lac per month?

I appreciate the time you took to collate this information for me. Thanks again for taking time out of your schedule to do me this favour. I understand that you have a busy schedule and I'm grateful for your help on this.

Swp yearly 4% se jyada nahi honi chahiye. 1cr hai to every year 4 lac swp karo and every year fund size badhegi to 4% amount bhi badhega jisse inflation ko asani se beat kiya ja sakta hai

@sushil2kashyap

5 ай бұрын

Thank you to you. You have given a good and useful advice.🙏

@shiv_shiv111

5 ай бұрын

It depends on your age and the money you need. Standard withdraw should be 0.6 % montlhy if you want to retire early at 50 years of age till 30 years ie. up 80 years of age

@sushil2kashyap

5 ай бұрын

@@shiv_shiv111 Thank you

@NITISHBHATT008

5 ай бұрын

Ye 4% waala rule west ke liye theek hai. India me abhi 6% normal hai.

@INVESTWITHSANJAY

5 ай бұрын

4% rule is Calculated in American market where bank interest is low as compared to INDIA.....in india 6% is good for SWP ........ inflation b adjusted ho jayega no problems for future

Compounding and swp is really 8th wonder of the world 🎉

Rate of withdrawal seems high : 12% annually actually which is high. Usually people say 4% of total portfolio annually.

Absolute misleading calculator. inflation not considered. stock market return is variable...never 10-11-12 return consistently every year.

Balanced Advantage Funds needs to be considered for SWP

very nicely explained , , i will suggest my parents about it …and also they can do swp of insured amount in case of mishappening

Hi Ranjan... Great & Thanks. Appreciate to have a video on BEST & SAFE FUND SUITABLE FOR LUMPSUM INVESTMENT WITh SWP OPTION . Pls help us to take decision and it will help us for a passive income. Expecting your video on this. Thanks.

Sir hamne groww app se kyc kiya hai wo digilocker se apne aap ho gaya hai but usame hamara District - Rajgarh aur State - MP bata raha hai usko change kaise kare hamara District -Raigarh aur State - Chhattisgarh hai

Young loog ke paas agar paise hai to swp ka use karke joo paisa nikala hai wo paise wapas se index funds yaa phir felxi cap funds main investment karo bhaut profit hoga,

@4am_Sachin

3 ай бұрын

Bro Im 31. Returned back to india after 10 years In Australia. Maine 2 houses banaye 3 crore gone there , 1 car of 50 lacs, Now I have 1 cr cash jo invest karke I want to retire. monthly i dont need much . Maybe 30k . Do u think swp is right thing?

@108_vivek_verma_27

3 ай бұрын

@@4am_Sachin bro market is unpredictable so i will suggest you to invest in sip and affordable part of your capital in swp for monthly income if you have family then take consult with any CA for better returns . that's all, The suggestion I said on top that is for young and single person who don't have family now or for the next 5 years.

Hi, my portfolio is as fwg/- Kotak Infrastructure and Economic Reform - 7.833% Parag Parikh Flexi Cap - 26.67% Nippon India Small Cap - 20% ICICI Prudential Nifty Index Fund - 23.34% Motilal Oswal Midcap - 15.48 Nippon India Nifty Bank Index Fund - 6.66 Any advice..?

Hey Ranjan, another amazing video. Please make one video on ETF, FOF, and MF for investing in US markets. Include the pros and cons and different schemes that are currently doing best in the market.

Well explained. However, can I do SIP of Rs. 15,000/- per month in an ELSS (to avail tax benefits) and after 3 years start SWP @ Rs. 12,000/- per month from the same scheme ? That way, I will get tax benefits of Rs. 1.5 lakh per year under section 80 C by investing only Rs. 36,000/- per year and enjoying LTCG on SWP at the same time. What do you say ?

Very good sir ji, zaroorat ho tabhi kare swp , nahi toh naa kare, I understood sir

Swp karane ke liye sip karna jaruri hai kya direct lumsum dal sakte hai

Can you please explain how Compounding work in MF? Is there Power of Compounding in MF when we go with SIP? As its value is decided on NAV.

Cant we do SWP and use the monthly amount for investing?

Bhai please make a video on using SWP on Liquid Funds and then using that amount to invest in SIP(of different AMC than what was of Liquid Fund). Using it we can get better interest on our principal/lumpsum amount rather than keeping it in our savings account. Thank you ❤

Thank you for giving so much clarity.

मान लीजिए मुझे 2 लाख की एक बाइक खरीदनी है और मेरे पास 5 लाख रुपए हैं। 1. क्या मैं नगद से बाइक खरीद लूं? या 2. 50k नगद जमा कराके 1.5 लाख का लोन ले लूं 3 साल के लिए और 2-3 लाख किसी म्यूचुअल फंड में लगा के SWP चालू कर दूं? आप नहीं पर आजकल यूट्यूब पर कई लोग कहते हैं कि यदि आपके पास पैसे की दिक्कत नहीं हो तो आप लोन ले लो और SWP चालू कर दो। आपकी क्या राय है? Waiting for reply.

@AAMINVESTORofficial

3 ай бұрын

Ye to bahut khatarnaak Raai hai... jo bhi aisa karne ko bol rha hai.... 🙂

Nice explanation...Good work...

Thanks a lot sir. U start taking suggestion from. Video for making new video I have one doubt and also searched for this on utube but could not find relevant video. See if u can help in this regard What will happen to our money(lumpsump/sip) if any fund house or scheme closed or stopped, is there any real life example in this case. What happened to investors money?

@vijaybilsore3489

5 ай бұрын

If a mutual fund scheme winds up or closes, the assets of the scheme are liquidated. Following this, the proceeds are distributed to the unit holders in proportion to their holdings, based on the prevailing Net Asset Value (NAV) after deducting the relevant expenses. Furthermore, mutual funds are obligated to provide a report on the winding up to the unit holders, detailing the reasons for closure, the winding-up process, and the distribution of assets.

Please make a video on Tax harvesting using SIP and SWP

0.5℅ to 0.6℅ maximum swp of portfolio to beat inflation for long term

What is ur suggestion on using this instrument in paying home loans

Very very useful information 🎉🎉

Thanks sir simple calculation 50 lakh hai toh 50000 swp hona chahiye ya us se kam ❤

Sir I request you to make more videos on monthly income through mutual funds by doing one time investment....Thank you.

Good Information, Thank You Sir..

My question is, (for my retired father) what if the expecreturn doesn't meet the actual one, will he still get the set amount for the next 20 yrs!!

should we wait for lock in period in SWP?

but if we consider 6 percent inflation , then we require 1.79 L instead of 1 lakh after 10 years . I think that by delaying or by holding an swp if possible for 5 years will make huge difference

Thank you sir itne achhe se samjhane ke liye

Sir, What if the investment are in 20 schemes making a total corpus of 1 crore. 5L×20=1Cr. Will the calculations work 1L per month for 20 years.

Wow very very information massage thanks

Hello, please make a video on How to Choose Mutal Funds for Lumpsum SWP!!!!

Very very informative video. Thank you 👍

Completelyy wrong guidense. SWP 1 Lakh may be sufficient now not every year. Example 5000 salary was sufficient in 2004 not today in 2024. Hence always SWP 0.5% of the value that is Rs 50K. Every years increase 7% of 50K just like increment to fight inflation.

INFLATION OF 6% IS NOT ADDED ,NETHER TAX DEDUCTIKN OF 5-10% ,IDEALLY WITH 10% RETURN ,ALL TAXES,INFALTION,ONE CAN GET ONLY 40K/ MONTH FOR 1 CR for 30 years ,In private jobs people start retiring at 50 ,so take 30 years atleast

What's the guarantee market will give 12% return year afer year?

HI Ranjan,, great video,, what about other taxes than LTCG ? do I need to pay income tax for my earning from mutual fund if I don't have any other source of income

Now I understand why I should not do SWP now.

Sir kindly explain in detail about 3 different modes of NPS : aggressive moderate conservative. Which is best for whom. Best nps fund manager and other nps related questions.?

As an lnvesting enthusiast, I often wonder how top level investors are able to become millionaires off investing. . I’ve been sitting on over $545K equity from a home sale and I’m not sure where to go from here, is it a good time to buy into stocks or do I wait for another opportunity?

really like your videos sir.❤ No one in youtubers has reviewed my portfolio and I know this request will go unanswered from you also.. Just trying: Total SIP - 40 K Quant small cap, Nippon Small cap, Tata Small cap = 6666 each. HDFC mid cap - 6000 Quant flexi cap - 6000 Uti Index nifty 50 - 4002 Mirae asset global x artifical - 4000

@chetansubhas

5 ай бұрын

Don't think u need to invest in do many mutual funds ....

Bhai beech beech me bade crash AA jate hai stock market me jiske kaaran mutual fund me bhi bahut giravat aa jati hai. So swp karne se invested Paisa se thoda thoda profit book ho jata hai swpse

Sir mutual fund me MIS ke upper ek detail video banaye

5 cr corpus se Swp krna hai to hybrid and equity fund se krna thk rahega ?

Pehle k jamane me lakhpati amir kehlata tha Aaj ki tarikh me agar aap crore pati Nhi ho between half crore to 1 cr ho to middle class Aur ussse bhi niche ho to tuff poor life but can have vision to grow to atleast 1 crore and beyond

Hello Sir, Can you please Make a video on how to avoid paying tax and exit load on SIP

Sir, new demat account open kar ke ek must Rs 500000 rakh kar swp karna chahe to Kam se kam kitni time ke bad swp milega , Example loan lene par jast next month se hi EMI jama hota hai, esi tarah swp demat account se kam se kam kitni time me hoga

Thanks a lot for these facts & infn..

Nice, Thank you.❤

Sir What about tax on swp..???? How it will calculated

Which MF or Index Funds r best for SWP... Sir, please

एक्सिट load के बारेमे??

SGB mai invest karne k cons n pros ka video banaya h kya aapne apne chanel par?

मै गवर्नमेंट जॉब में हूं। सैलरी लगभग 50,000 महीना है।SIP में लगभग 6000 रुपये प्रति महीना इन्वेस्ट करता हूँ। महीने में लगभग 20 से 25 हजार बच जाते है। अब इस पैसे को मै कहाँ इन्वेस्ट करूँ जहां मुझे अच्छा return मिल सके। इस पैसे को मै म्यूच्यूअल फण्ड में इन्वेस्ट नही करना चाहता क्योंकि बीच बीच मे हो सकता है मुझे किसी कार्य के लिए 2 से 3 लाख की जरूरत पड़े। कृपया मार्गदर्शन करें।

@tiktik6105

5 ай бұрын

12 club me kr skte h

@user-sx3ls1jv4b

5 ай бұрын

@@tiktik6105 ये क्या होता है?

@prakashgore8483

4 ай бұрын

आप मुझे गोद ले ले😂 यह बहुत अच्छा इन्वेस्टमेंट रहेगा आपके लिए😅

@Mocovibes

4 ай бұрын

Nps tier 2..govt bonds ..corp bonds..

@TA43210

6 сағат бұрын

Liquid fund me daal do

I just want to buy a 1.6L rupees iPhone I have the money but I thought if I am getting it for 24 months no cost EMI I should put the money in swp for 2 years to pay the EMI at the end of the two years I will have money even after paying the loan

Can I opt SWP for one fund lo another fund do I need to pay long term capital gain tax??. I have completed sip for 5 years on one fund but that fund not performing well ... Pls suggest

Sir bahut log 10% tax bachane ke liye swp karten hain or reinvest kar deten fir hain .. Agar aap ek video banao to pta chale ... Swp karne me tax bachega ..? Ya fir 10% profit ka gov ko dena hoga ?

Jo sip karte hai uska hi swp option karna hota hai , index fund ki sip karta hu to 10yr uske bad ya use pehale swp active karna hoga

Sir could u plz Lemme know can we do SWP in ETF funds ??

kya koi aisa calculator hai jisme lumpsum or SIP amount Par Ek Sath calculation ho sake

Worth watching ❤

What about inflation over 20 Years.

Good Evening Sir

Sir ETF ke bare me details me video bnaeye

Sir, I want to buy car with SWP but I guess I have wait for one year to start SWP. Can you suggest the best way to do that ?

Sir can we convert a mutual fund to SWP? If Yes then How?? Please reply

Swp ka amoumt invested money or current value money se withdrawal hota hai?

what happen when some one take 7.5 percent in one year then capital apparition must be happen

But sales to unit hongi phr ksise paisa bachega thoda isko clear kijiye sir

I will receive a gratuity next month, i want to do swp but can i reinvest that amt in the same slumsum amt Eg i have done 1 L rs swp I receive 1000 from it ever month, but i dont want to withdraw i want that 1000 should add in 1L ever month

Very well explained

One question - SWP pe tax lagega kya? for both domestic and NRI's?

@YourEverydayGuide

Ай бұрын

Yes, LTCG tax, if SWP is started after 1 year on equity MF on withdrawal above 1 lakh

Swp mein paise kitni der Tak holding karke rakhe or kab niklna suru kare Jaise ki maine 1_1_2024 ko 1 crore dala or 1-2-2024 niklna star kar sakta hu kya

@yrS.179

Ай бұрын

Yes u can withdraw

Nice video sir ❤

Wrong information always withdraw half persent per month from your Corpus for example if u have one CR then u withdraw fifty thousand per month means six percent yearly not more than that

Ranjan ji.. What if Market goes down and person is solely depends on Swp for living?

Kya SIP ko maturity ke baad SWP mai convert kiya jaa sakta hai?

How 1% of 1 crore become 1 lac per month?

Sir agar kisi fund main amc sip opt ho gayi ho to aur us fund main sip opt kar ho to kaise karege

But jis tarah se economy chal rha hai 12% interest on mf on yearly basis Achievable comfortably no issues

Not more then half percent monthly of your total corpus

Information about 3:41

Bhai koi esa fund beta sakty ho swp k liy jo 10% cansent intrest de dy

Ranjan ji, kya SWP ke liye poora amount ek hi fund mein dalna theek rhega ya 2-3 different fund choose krein?

@Rishabhpantc

2 ай бұрын

Minimum 2-3

My age is 30 can I invest in SWP...?? PLEASE REPLY??

40 saal aur 45 saal Mein swp sahi hai kyunki is k Baad aap kitna jiyogey nhi pata

Swp me kiya tax kat te hain..suppose mera 1 lac per mnth withdrawal kar raha hu.. Is ke upar fund house tax kat te hain kiya? Income tax chor kar

Meri kirtana store hai meri sip 30 month se 50000 per month ja rahi hai maine aaj tak ITR nahi bhari kya future main koi dikkat ho sakti hai

@vishnusaaurot6333

Ай бұрын

Itr bharna suru kar do sahi rahega

Very nice

Sir monthly income next month se shuru ho jati kya 😊

Nice analysis 👍

swp pe exit load aply hota hay?

Sir kya hum 50 lac lumpsum invest karke 3 saal baad swp start kar sakte hai 50000/- per month ki Kuch idea denge aap Meri age Abhi 53 years hai Aur Abhi 3-4 saal Mujhe income aani hai Uske baad apne funds se hi life plan karni hai

@Rishabhpantc

2 ай бұрын

50K to nahi but aap 40K withdraw kar sakte hai

Yadi me home loan lekar apne portfolio se swp karke home loan ki installment de to kaisa rahega. Yadi swp 5% kare to

Kya hum swp ka paisa ko sip per invest kar sakte hai??