SWP PLAN: RS 1 CR INVESTMENT

एसडब्ल्यूपी प्लान: ₹1 करोड़ का निवेश 8% निकासी वृद्धि के साथ

DISCLAIMER

THE INFORMATION PROVIDED ON THIS WEBSITE IS FOR EDUCATIONAL AND INFORMATIONAL PURPOSES ONLY. ALL FINANCIAL EXAMPLES, INVESTMENT STRATEGIES AND CASE STUDIES (INCLUDING CHARACTERS LIKE AJUWA) ARE FICTIONAL AND INTENDED TO ILLUSTRATE CONCEPTS. THE WEBSITE OWNER DOES NOT PROVIDE ANY INVESTMENT, TAX OR LEGAL ADVICE.

READERS ARE ADVISED TO CONSULT WITH A CERTIFIED FINANCIAL ADVISOR BEFORE MAKING ANY INVESTMENT DECISIONS. MUTUAL FUND INVESTMENTS ARE SUBJECT TO MARKET RISKS. PAST PERFORMANCE IS NOT INDICATIVE OF FUTURE RESULTS.

THE WEBSITE OWNER IS NOT RESPONSIBLE FOR ANY FINANCIAL LOSS, RISK, OR DECISION MADE BASED ON THE INFORMATION PROVIDED HERE. USE THE CONTENT AT YOUR OWN DISCRETION.

WHAT IS AN SWP (SYSTEMATIC WITHDRAWAL PLAN)?

A SYSTEMATIC WITHDRAWAL PLAN (SWP) IS A SMART FINANCIAL STRATEGY THAT ALLOWS AN INVESTOR TO WITHDRAW A FIXED AMOUNT OF MONEY FROM THEIR MUTUAL FUND INVESTMENT AT REGULAR INTERVALS—MONTHLY, QUARTERLY, OR ANNUALLY—WHILE THE REMAINING CORPUS CONTINUES TO GROW.

SWP IS IDEAL FOR:

RETIRED INDIVIDUALS NEEDING MONTHLY INCOME

PEOPLE LOOKING TO SYSTEMATICALLY DRAW DOWN LARGE INVESTMENTS

TAX-EFFICIENT INCOME GENERATION COMPARED TO FDS OR SAVINGS ACCOUNTS

BENEFITS OF SWP PLAN

REGULAR INCOME:-

HELPS MANAGE MONTHLY EXPENSES LIKE A PENSION.

CAPITAL APPRECIATION: THE UNWITHDRAWN PORTION OF YOUR INVESTMENT CONTINUES TO EARN RETURNS.

TAX EFFICIENCY:-

ONLY CAPITAL GAINS ARE TAXED AND THAT TOO AT FAVORABLE RATES.

CUSTOMIZABLE: –

YOU CHOOSE THE FREQUENCY AND WITHDRAWAL AMOUNT.

NO TDS ON MUTUAL FUNDS: UNLIKE FDS, MUTUAL FUNDS DON’T DEDUCT TDS.

YEAR-BY-YEAR SUMMARY (WITH 8% YEARLY INCREASE IN WITHDRAWAL)

YEAR	OPENING CORPUS (₹)	ANNUAL WITHDRAWAL (₹)	GROWTH @10% (₹)	CLOSING CORPUS (₹)
1	1,00,00,000.00	6,00,000	10,13,616.62	1,04,13,616.62
2	1,04,13,616.62	6,48,000	10,54,246.56	1,08,19,863.17
3	1,08,19,863.17	6,99,840	10,93,890.26	1,12,13,913.44
4	1,12,13,913.44	7,55,827	11,32,025.21	1,15,90,111.45
5	1,15,90,111.45	8,16,293	11,68,040.62	1,19,41,858.69
6	1,19,41,858.69	8,81,597	12,01,225.51	1,22,61,487.35
7	1,22,61,487.35	9,52,125	12,30,755.35	1,25,40,118.11
8	1,25,40,118.11	10,28,295	12,55,677.03	1,27,67,500.58
9	1,27,67,500.58	11,10,558	12,74,891.97	1,29,31,834.42
10	1,29,31,834.42	11,99,403	12,87,137.29	1,30,19,568.94
11	1,30,19,568.94	12,95,355	12,90,964.66	1,30,15,178.60
12	1,30,15,178.60	13,98,983	12,84,716.59	1,29,00,911.79
13	1,29,00,911.79	15,10,902	12,66,499.95	1,26,56,509.67
14	1,26,56,509.67	16,31,774	12,34,156.32	1,22,58,891.76
15	1,22,58,891.76	17,62,316	11,85,228.88	1,16,81,804.46
	TOTAL	1,62,91,268

KEY INSIGHTS

TOTAL WITHDRAWALS OVER 15 YEARS: ₹1.62 CRORES

FINAL CORPUS REMAINING: ₹1.17 CRORES

DESPITE INCREASING MONTHLY WITHDRAWALS EVERY YEAR BY 8%, THE CORPUS CONTINUED TO GROW FOR MANY YEARS DUE TO COMPOUNDING RETURNS AND ENDED WITH A HEALTHY BALANCE.

ALBERT EINSTEIN, AJUWA & THE 8TH WONDER OF THE WORLD

ALBERT EINSTEIN ONCE SAID:

“COMPOUND INTEREST IS THE EIGHTH WONDER OF THE WORLD. HE WHO UNDERSTANDS IT, EARNS IT; HE WHO DOESN’T, PAYS IT.”

NOW MEET AJUWA, A WISE RETIRED TEACHER FROM A QUIET TOWN IN INDIA. IN HIS EARLY CAREER, AJUWA CAME ACROSS THIS QUOTE IN A DUSTY OLD PHYSICS BOOK AND NEVER FORGOT IT. WHILE OTHERS SPENT FREELY, AJUWA QUIETLY INVESTED.

AJUWA’S JOURNEY: FROM ₹0 TO ₹1 CRORE

AJUWA STARTED A DISCIPLINED SIP IN MUTUAL FUNDS AT AGE 45. HE BELIEVED IN LONG-TERM PATIENCE AND THE MAGIC OF COMPOUNDING. BY THE TIME HE RETIRED AT 60, HE HAD BUILT A ₹1 CRORE CORPUS — NOT BY CHANCE, BUT BY EINSTEIN’S PRINCIPLE.

BUT AJUWA DIDN’T STOP THERE. HE PUT THAT ₹1 CRORE INTO A SYSTEMATIC WITHDRAWAL PLAN (SWP), ALLOWING HIM TO WITHDRAW INCOME EVERY MONTH AND STILL LET HIS MONEY GROW.

HIS SMART SWP PLAN

INITIAL CORPUS: ₹1,00,00,000

STARTING MONTHLY WITHDRAWAL: ₹50,000

ANNUAL INCREASE IN WITHDRAWAL: 8% (TO BEAT INFLATION)

EXPECTED RETURN ON INVESTMENT: 10% (COMPOUNDED MONTHLY)

TIME PERIOD: 15 YEARS

EACH YEAR, HIS MONTHLY WITHDRAWAL INCREASED — BUT SO DID HIS WEALTH.

AJUWA’S YEAR-BY-YEAR SWP GROWTH

YEAR	OPENING CORPUS (₹)	WITHDRAWAL (₹)	GROWTH @10% (₹)	CLOSING CORPUS (₹)
1	1,00,00,000	6,00,000	10,13,617	1,04,13,617
2	1,04,13,617	6,48,000	10,54,247	1,08,19,863
3	1,08,19,863	6,99,840	10,93,890	1,12,13,913
4	1,12,13,913	7,55,827	11,32,025	1,15,90,111
5	1,15,90,111	8,16,293	11,68,041	1,19,41,859
6	1,19,41,859	8,81,597	12,01,226	1,22,61,487
7	1,22,61,487	9,52,125	12,30,755	1,25,40,118
8	1,25,40,118	10,28,295	12,55,677	1,27,67,501
9	1,27,67,501	11,10,558	12,74,892	1,29,31,834
10	1,29,31,834	11,99,403	12,87,137	1,30,19,569
11	1,30,19,569	12,95,355	12,90,965	1,30,15,179
12	1,30,15,179	13,98,983	12,84,717	1,29,00,912
13	1,29,00,912	15,10,902	12,66,500	1,26,56,510
14	1,26,56,510	16,31,774	12,34,156	1,22,58,892
15	1,22,58,892	17,62,316	11,85,229	1,16,81,804

---

WHAT DID AJUWA PROVE?

TOTAL WITHDRAWALS IN 15 YEARS: ₹1.86 CRORES

CORPUS REMAINING: ₹1.17 CRORES

FINANCIAL STRESS: ZERO

SATISFACTION LEVEL: INFINITE

AJUWA’S MONTHLY INCOME KEPT INCREASING TO MATCH RISING PRICES — AND STILL, HIS MONEY GREW SILENTLY IN THE BACKGROUND, JUST LIKE EINSTEIN SAID IT WOULD.

MORAL OF AJUWA’S STORY

“IF YOU WALK WITH COMPOUNDING, EVEN A SLOW JOURNEY BECOMES POWERFUL.”

AJUWA LIVED WELL, HELPED FUND HIS GRANDCHILDREN’S EDUCATION, AND REMAINED FINANCIALLY INDEPENDENT — ALL BECAUSE HE UNDERSTOOD THE 8TH WONDER OF THE WORLD.

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