How to generate regular income from mutual funds? | What is SWP?
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- เผยแพร่เมื่อ 3 มิ.ย. 2024
- Plan a perfect retirement by understanding how to withdraw optimally from your corpus. Watch this episode of Investors’ Hangout.
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Here are the key takeaways:
- SWPs enable you to withdraw your investments gradually, which can safeguard your capital during market downturns by spreading out the impact of market fluctuations.
- An SWP is a good choice for retirees. It offers the flexibility to decide how much you want to withdraw, and the money is conveniently deposited directly into your bank account.
- When planning your SWP, consider factors like your corpus size, income needs, and dependency on the SWP for daily expenses.
- If the annual withdrawal falls within the 4-6% range, a conservative approach is to allocate one-third of your investments to equities.
- If you don't rely on SWP for your primary income, you can consider a higher equity allocation, say 75%.
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Chapters:
00:00 Introduction
00:35 What is an SWP?
03:57 What is the ideal equity allocation for an SWP?
09:23 What are the tax implications of an SWP in mutual funds?
11:15 SWP vs Annuity - Which is better?
12:54 Key Takeaways
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All I can say is this video must be part of school curriculum and college and government need to declare this as a must watch for their citizens.
It took ages for me to understand these things but Value research is giving free.
If I understood this 20 year before I would have been in a very much comfortable financial position. Now I am a premium customer.
The key word is inflation adjusted retirement planning. Please change the title of this video and circulate to everyone as much as possible. I am doing it now.
God bless you team.
But during Prolonged bear markets too many units might be redeemed in SWP .
Sir, very well explained by you. I am a regular listener of your hang out. I am withdrawing @ 6% and at the same time getting appreciation from aggressive Hybrid funds. Please keep continue such a hangout . 🎉🎉
After how many years of investing have you started swp ? I am 50 and planning the same post 55 years from aggressive hybrid funds.
Hello sir, can u tell us how much cagr did ur fund generated?
Excellent!! All the best
I always appreciate advise by Team Value Research. Thank you Dhirendra and Ruchi. I also started using recently launched app.
Our pleasure!
Which hybrid funds are good for long term swp sir!
I am Ketan Raval from Ahmedabad. My age is 59 & retired. I shall start my monthly expenses Rs.40,000/- after two years . I am having conservative hybrid fund of MF sbi , hdfc , absl , icici & kotak MF . Each having 5 lakh investment since last 02 years. Is it right timing in current market scenario to switch over into Agressive hybrid or Balance Advantage funs into same AMC !! Should I switch lumps in a multiple shots or do STP ??
Nice presentation, taking a fixed return the remaining needs to be in SWP good advice.
Glad it was helpful!
Nice
You're welcome
This is good..
Thank you
How to do swp in Groww app
My portfolio is QQQM, VOO, and SCHD, but I added BRK.B because I feel like it has a mix of growth and security. The first million I made was from stock trading investment, started with 100k using the help of a Pro in this field and its been a great choice since, now I have time for my self and family as I'm retired.
Hey friend, can I invest with your trader ?
Yeah, she is Jennifer Lilibeth Tibbs, look her up
Found her! googled her, thank you.
As a foreigner Jennifer’s name still rings a bell, she has changed investors lives and also played important roles in the society in general, I strongly recommend her.
I and my sister have being in business with her for a month now, tested the waters with 100k, we have 950k growth in this portfolio, its a good one.
Too confusing..Kindly explain the taxation part with regards to SWP again in a new video.
As soon as possible
Is it applicable to person retired?
Sir
Can we use equity savings fund for this purpose . That is more safe
Yes, it is a better option especially if your risk tolerance is moderate. If you are an aggressive investor you can opt for aggressive hybrid fund and conversely if your risk appetite is very low you can choose conservative hybrid fund.
If we have done sip in small cap and multi cap funds for 20 years then should we do swpnfrom the same funds or switch the corpus to hubrid funds and then do the swp? What do you recommend?
I understood one has to do asset allocation based on the %amount of withdrawal. ie 40% to 60% in debt (preferably Sovereign bonds+ post office monthly income scheme+ senior citizen saving scheme). Remaining in equity with swp for the rest of the income needed. The equity component can be in an aggressive hybrid fund. (SWP from equity needs to be lowered or stopped during the time of prolonged bear market to prevent capital erosion). So essentially the corpus has to be moved into these instruments before doing swp.
(I think Midcap and Smallcap funds may not be good choices for swp since high volatility is not desirable for swp.) I hope I am at least somewhat correct!
हिंदी जानने वाले क्या करें सर और, मैम आपका वीडियो देख कर ऐसा लिखा है। क्या हम जैसे लोगों के लिए कुछ सोचा जा सकता है 🙏
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Kaya kewal. S w p English valo ke lea hai hindi no
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प्लीज आल्सो एक्सप्लेन इन हिंदी
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