RETIREMENT PLANNING - Is It Safe To Depend On SWP Option Of Mutual Funds For Stable Cash Flows ?

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  • เผยแพร่เมื่อ 29 ก.ย. 2022
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ความคิดเห็น • 71

  • @hdhanu142
    @hdhanu142 9 หลายเดือนก่อน +6

    I've noticed that certain TH-cam channels with seemingly minimal content have amassed a substantial number of subscribers and viewers. This particular channel stands out, as the information it presents is not readily available elsewhere. I genuinely appreciate your efforts in sharing such valuable and previously undisclosed information.

  • @shejwalkarhemant3110
    @shejwalkarhemant3110 ปีที่แล้ว +4

    It's delivered with supreme clarity. This can happen only if there is no motive. Thank you sir. 🙏

  • @GaneshTirthahalli
    @GaneshTirthahalli ปีที่แล้ว +1

    Very clear and crisp analysis of SwP and good guidance for retiring persons on choosing right park to invest. Thank you once again for clearing some of the notions of mutual funds investment strategies

  • @krishnabhat1606
    @krishnabhat1606 ปีที่แล้ว +2

    Thank you.Very logical analysis

  • @ashwathashu5023
    @ashwathashu5023 ปีที่แล้ว +2

    Thank you sir for valuable information 🙏

  • @sunithaneelam2832
    @sunithaneelam2832 5 หลายเดือนก่อน

    Very nicely explained the pros and cons of SWP especially if people are depending for their retirement corpus. Request for suggesting best funds under SWP and also help senior citizens for investing under various schemes which can provide fixed income.

  • @madhukargite7403
    @madhukargite7403 ปีที่แล้ว +1

    Nicely explained sir, very informative.
    I hv subscribed, thank you.

  • @saurabhmukherjee850
    @saurabhmukherjee850 ปีที่แล้ว +2

    Sir… Very well explained regarding assets allocation for retirement… It would be nice to give an example how to distribute the assets at 60 yrs for say 1 Lac capital to understand it in a much better way.

  • @pchako
    @pchako ปีที่แล้ว

    Simply superb.

  • @harishbabu4034
    @harishbabu4034 ปีที่แล้ว +1

    Very informative video !!! Thanks !!!

  • @vardhankumar467
    @vardhankumar467 ปีที่แล้ว

    Very Good explanation Sir... Thank you

  • @somashekharasharma1082
    @somashekharasharma1082 6 หลายเดือนก่อน

    Thanks, this is one of the financial videos I think I will visit every year.
    Thanks again for the good content

  • @chandanpreet5164
    @chandanpreet5164 5 วันที่ผ่านมา

    His English is quite good...I have several doubts about his forefathers

  • @narayanansreenivasan2558
    @narayanansreenivasan2558 ปีที่แล้ว +1

    Could also make a similar video on doing SWP in Nifty index based ETF.. though mostly similar might help to many….

  • @rmdbhuinya1863
    @rmdbhuinya1863 ปีที่แล้ว

    Excellent explanation.

  • @azadthekilroy
    @azadthekilroy ปีที่แล้ว +2

    Thanks for the valuable information sir .
    I have a mutual fund SIP with an intent to create a corpus at end of 20 yrs, can I convert the same corpus into a SWP subsequently?

  • @sumeshsimon768
    @sumeshsimon768 ปีที่แล้ว +10

    No one who have knowledge will withdraw 12% from the corpus as swp, it must be limited to 5-7 % which will avoid the depletion of corpus in a long run.

    • @Parvez861
      @Parvez861 9 หลายเดือนก่อน +1

      6% अधिकतम

    • @unknownwanderer04
      @unknownwanderer04 5 หลายเดือนก่อน +1

      6% is standerd
      And you can go for 7% as well
      Even SEBI also recommends 6%

    • @sunithaneelam2832
      @sunithaneelam2832 5 หลายเดือนก่อน

      6% every month or 6% for the entire withdrawal through SWP

    • @kr6869
      @kr6869 5 หลายเดือนก่อน

      6% yearly withdrawal

    • @vaibhavprabhuajgaonkar1852
      @vaibhavprabhuajgaonkar1852 3 หลายเดือนก่อน

      There's a problem if anyone withdraws anything more than 5% through SWP post retirement. We should plan accordingly. 👍

  • @raramkandathsivaji3948
    @raramkandathsivaji3948 ปีที่แล้ว

    Very informative 👏 👌

  • @lawrencedcruz3548
    @lawrencedcruz3548 ปีที่แล้ว

    Excellent video

  • @ashishgarg4724
    @ashishgarg4724 หลายเดือนก่อน

    Very informative and precise.

  • @sheebareji1166
    @sheebareji1166 ปีที่แล้ว

    well explained sir...thsmk u..

  • @utubesanjay
    @utubesanjay 2 หลายเดือนก่อน

    Very good explanation!

  • @dhaneshlodhari9725
    @dhaneshlodhari9725 3 หลายเดือนก่อน

    Sir, thanks for sharing such information.

  • @mgowdamysore3888
    @mgowdamysore3888 ปีที่แล้ว

    Good information sir

  • @sudhakarad.devadiga2655
    @sudhakarad.devadiga2655 ปีที่แล้ว

    🙏👌good advice, thanks

  • @udaisumi3094
    @udaisumi3094 9 หลายเดือนก่อน

    Good analysis!

  • @jyotigupta2889
    @jyotigupta2889 ปีที่แล้ว

    thanks sir

  • @franciskt4171
    @franciskt4171 ปีที่แล้ว +1

    What benefit do the Companies get from the stockmarket investments ?

  • @preethishukla8403
    @preethishukla8403 6 หลายเดือนก่อน

    excellent excellent video sir.

  • @kartzs9957
    @kartzs9957 11 หลายเดือนก่อน

    4% withdrawal annually .. means 4/12 worth monthly withdrawal??

  • @commonman-20
    @commonman-20 5 หลายเดือนก่อน

    Thank you very much sir

  • @npratapvet
    @npratapvet ปีที่แล้ว

    Excellent presentation and very informative. Thanks

  • @girishdevappa5562
    @girishdevappa5562 8 หลายเดือนก่อน

    Thanks

  • @rameshradhakrisshnan5686
    @rameshradhakrisshnan5686 5 หลายเดือนก่อน

    Very useful ❤❤❤

  • @roychungath
    @roychungath ปีที่แล้ว

    How wise is it; to invest in Chinese market?

  • @shalley21
    @shalley21 ปีที่แล้ว

    I want to take finamcial services professionally

  • @user-es2rp5tl5g
    @user-es2rp5tl5g 5 หลายเดือนก่อน

    Useful.

  • @mansiagrawal6117
    @mansiagrawal6117 ปีที่แล้ว

    Thank you sir for sharing valuable information

  • @AllwinJeba
    @AllwinJeba ปีที่แล้ว +1

    Since you compared it against a FD, well FD was around 10-11% in 1999 and now it is 5-6% in 2022. It has been linearly going down!

    • @NRIMoneyClinic
      @NRIMoneyClinic  ปีที่แล้ว

      Yes , FD rates mimic inflation trajectory. That is the precise reason it has gone down and current rise in interest rates are also a result of rise in inflation numbers

    • @sabanayakams7528
      @sabanayakams7528 ปีที่แล้ว

      @@NRIMoneyClinic q

    • @AllwinJeba
      @AllwinJeba ปีที่แล้ว +1

      @@NRIMoneyClinic either way makes no sense to put your money in FD. It can't even beat inflation. In next 20 years India will be a difference place. A much more stable economy with lot many equity investors. Of course With age the allocation will move towards debt more, however what you spoke may be more relevant to ultra conservative who want to invest in share market expecting it will only go up. But that's a wrong expectation to start with.

  • @pradiptamondal7957
    @pradiptamondal7957 ปีที่แล้ว

    Can I withdraw 2% of my 100% equity MF capital for my retirement need.I have
    3.5 cr as my retirement corpus and I need 7 laks per year for my expenses.
    Is there any risk.

  • @vineeshp6
    @vineeshp6 8 หลายเดือนก่อน +1

    Hdfc balanced advantage fund

  • @khem3224
    @khem3224 9 หลายเดือนก่อน +1

    Sir What is your fees for designing a retirement plan on existing mf portfolio

    • @NRIMoneyClinic
      @NRIMoneyClinic  9 หลายเดือนก่อน

      Send message on 00971 50 1484595

  • @bidyutkumarmaji2783
    @bidyutkumarmaji2783 5 หลายเดือนก่อน +1

    Sir, hindi may boliye and latest news bathai

  • @sachinpatel3371
    @sachinpatel3371 11 หลายเดือนก่อน +1

    Sir your presention is the best but iam Indian not Britishers you speak to hind please sir

    • @joelfernandes9793
      @joelfernandes9793 5 หลายเดือนก่อน

      Speaking English doesn't make you British. It's a global language, anybody can speak it and all should learn it besides their respective mother tongue.

  • @rajagopalanjayakumaran7110
    @rajagopalanjayakumaran7110 ปีที่แล้ว

    If one plans for IDCW route instead of SWP route, his capital corpus will not much erode over 7 to 10yrs.The non pensionable retirees can evaluate.

    • @NRIMoneyClinic
      @NRIMoneyClinic  ปีที่แล้ว

      It is one and the same with minor difference

  • @richardserrao6566
    @richardserrao6566 ปีที่แล้ว

    Sir
    You are saying withdraw 4% .
    Why will someone invest in SWP for 4% when the bank is giving 6%
    All wrong information.....you are just confusing the viewers.
    SWP is safe if we withdraw 6-7%.
    SWP is tax efficient.

    • @NRIMoneyClinic
      @NRIMoneyClinic  ปีที่แล้ว

      4 % is Sustainable withdrawal. You can draw at any rate you like .

    • @sriharimulukunte7881
      @sriharimulukunte7881 ปีที่แล้ว

      I second your viewpoints.

  • @sriharimulukunte7881
    @sriharimulukunte7881 ปีที่แล้ว +2

    A very pessimistic and conservative talk.

    • @NRIMoneyClinic
      @NRIMoneyClinic  ปีที่แล้ว +1

      Hmmm . It is not pessimism. It is realism . Rational thinking scores over conservatism and aggression.

    • @prasadbapat.
      @prasadbapat. 11 หลายเดือนก่อน

      Consider 7% return and proceed . One will get higher returns

  • @kishanbhowmik1643
    @kishanbhowmik1643 7 หลายเดือนก่อน

    Faltu analysis.. No idea about market...recession aa gaya to aur bhi invest karenge... No idea about market but still giving opinion..

    • @NRIMoneyClinic
      @NRIMoneyClinic  7 หลายเดือนก่อน

      That is exactly what I mentioned in the video

  • @lesliesaldanha7343
    @lesliesaldanha7343 ปีที่แล้ว +1

    Few days ago you were pushing investors towards Indian market and how india stock will keep growing , today you are speaking a diffrent tune about markets interlinked with developed market 😀. But I must say atleast you admitted that and stopped harping about india grwth story as foreign investors started to withdraw looking for safer havens in us bonds . Yes the indian market will be back but when we see macro improving

    • @NRIMoneyClinic
      @NRIMoneyClinic  ปีที่แล้ว +2

      Nothing has changed . The way you interpret has a problem . Watch the video all over again. Get the context right . Dont see my videos with a traders mind set

    • @lesliesaldanha7343
      @lesliesaldanha7343 ปีที่แล้ว +1

      @@NRIMoneyClinicMy interpretation is a problem , interesting ! i watched your video and made a comment , may be you dont like my tone but its a fact. i never commented on SWP withdrawal model as its true but not necessarily if people dont agree to you or point out something they have traders mindset.

    • @NRIMoneyClinic
      @NRIMoneyClinic  ปีที่แล้ว +1

      You are always entitled to your views . That is your right . I just answered the tone of comment.

    • @lesliesaldanha7343
      @lesliesaldanha7343 ปีที่แล้ว +1

      @@NRIMoneyClinic ofcourse thanks for that. My tone will always be a critical if I don't feel it right . That must not offend the presenter .