SWP Kya Hai? Paisa Kitne Saal Chalega, Fixed Aur Badhte Withdrawal
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SWP kya hai aur paisa kitne saal chalega? ₹30 lakh se ₹25,000 mahina, fixed ya har saal 6% badhkar, aur shuruaati loss kyun zyada chot karta hai.
SWP kya hai, aur SWP ke saath paisa kitne saal chalega? Yeh 4 cheezon par tika hai: tum kitne se shuru karte ho, kitna nikaalte ho, woh amount badhta hai ya nahi, aur return. Maane hue 8% saal par ₹30 lakh lo. Fixed ₹25,000 mahina poore 15 saal chalta hai aur lagbhag ₹10,22,046 bachta hai. ₹25,000 se shuru hokar har saal 6% badhne wala withdrawal mahine 137 mein kam pad jaata hai.
- SWP fund units bechkar tumhe paisa deta hai. Har payment ka ek hissa tumhara apna paisa wapas aana ho sakta hai.
- ₹30 lakh se fixed ₹25,000 mahina, 8% saal par, 15 saal chalta hai aur lagbhag ₹10,22,046 bachta hai.
- Agar withdrawal har saal 6% badhe, to 136 payments poori milti hain, aur mahine 137 mein ₹47,457 mein se sirf ₹29,172 milte hain.
- Returns ka kram maayne rakhta hai. Jab paisa nikal raha ho, tab pehle saal ka loss zyada chot karta hai.
Apne numbers daalkar dekho
SWP calculator mein apni bachat, monthly withdrawal aur return likho, aur dekho paisa kitne saal chalega.
Calculator kholoSWP kya hai?
SWP, yaani systematic withdrawal plan, tay tareekh par, aksar har mahine, tumhare mutual fund ke kuch units bechta hai. Paisa tumhare bank account mein jaata hai. Baaki invested rehta hai.
Regular payment ka matlab yeh nahi ki fund ne utna kamaya. Agar fund tumhare nikaale se kam kamata hai, to har payment ka ek hissa tumhara apna paisa wapas aana hai. Tab balance ghatta hai.
Paisa kitne saal chalega? Fixed aur badhte withdrawals
₹30 lakh, maana hua 8% saalana return aur 15 saal ka samay lo. Har withdrawal apne mahine ki shuruaat mein milta hai. Tax, exit load aur fund charges shaamil nahi hain.
| Cheez | Fixed ₹25,000 | ₹25,000, har saal 6% badhkar |
|---|---|---|
| Poori mili payments | 180 mein se 180 | 180 mein se 136 |
| Pehla kam mahina | Koi nahi | Mahina 137 |
| Kul nikla paisa | ₹45,00,000 | ₹47,10,495 |
| 15 saal baad balance | ₹10,22,046 | ₹0 |
Mahine 137 mein badhta plan ₹47,457 maangta hai, par sirf ₹29,172 bache hain. Us mahine ₹18,285 kam padte hain, aur uske baad kuch nahi bachta.
Fixed plan zyada chalta hai kyunki uski baad ki payments chhoti hain. Par badhte daam har saal ₹25,000 ki khareedne ki taakat ghata dete hain. Yaani asal mein fixed plan kam deta hai. Sirf aakhri balance compare karne se yeh baat chhoot jaati hai.
Sabse zyada kitna nikaal sakte ho, aur kitna paisa chahiye
Yahi hisaab ulta bhi chal sakta hai. Har saal 6% badhat ke saath poore 15 saal chalne ke liye, ₹30 lakh se pehla withdrawal lagbhag ₹19,610 mahina ho sakta hai. ₹25,000 se shuru karke 15 saal tak har saal 6% badhaane ke liye lagbhag ₹38,24,633 chahiye.
Returns ka kram kyun maayne rakhta hai
Har saal seedha 8% asli market ki chaal chhupa deta hai. Yeh raha 2 saal ka example. Tum ₹10 lakh se shuru karte ho aur har saal ke aakhir mein ₹1 lakh nikaalte ho. 2 saal ke returns −20% aur +25% hain.
| Returns ka kram | Saal 1 ke baad | Saal 2 ke baad |
|---|---|---|
| −20%, phir +25% | ₹7,00,000 | ₹7,75,000 |
| +25%, phir −20% | ₹11,50,000 | ₹8,20,000 |
Withdrawal ke bina, dono kram ₹10 lakh par khatam hote hain. Withdrawal ke saath, pehle loss wala raasta ₹45,000 kam par khatam hota hai. Shuruaati loss ke baad ₹1 lakh chhote balance se nikla, isliye +25% wale saal ke liye kam paisa bacha. Oonchai se aisi girawat ko kehte hain.
Kam pade mahine ko sahi tarah padho
Aakhri adhoori payment 1 aur poora mahina nahi hai. Saaf result poori payments ki ginti, pehla kam mahina, aur us mahine asal mein kitna mila, yeh sab dikhata hai.
15 saal ke aakhir mein bacha paisa ka matlab hai ki in maanyataon par woh 15 saal poore chal gaye. Iska matlab yeh nahi ki payments hamesha chalti rahengi.
Kya SWP withdrawal par tax lagta hai?
Har SWP payment units bechti hai. Tax beche gaye units ke par lagta hai, poori payment par nahi. Gain is par tika hai ki un units ki keemat kya thi aur woh kitne samay rakhe gaye. Jaldi beche units par exit load bhi lag sakta hai. Kuch karne se pehle fund ke apne documents padho.
SWP calculator par apna plan jaancho
Apna shuruaati amount, monthly withdrawal aur saalana badhat likho. SWP calculator poore mile mahine ginta hai, pehla kam mahina batata hai, aur sabse zyada kitna nikaal sakte ho, yeh nikaalta hai. Phir kam return aur lamba samay try karo.
Calculator kholoSources
Agar yahan ka koi figure apne source se alag lage, toh source par bharosa kijiye.
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Kholo →33% loss bharne ke liye lagbhag 49.3% badhat kyun chahiye?
20% girne ke baad 20% badhna kaafi kyun nahi hai. Base chhota ho jaata hai, aur formula wahi batata hai.
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Kholo →Aksar poochhe sawaal
₹25,000 mahine par ₹30 lakh kitne saal chalega?
Maane hue 8% saal par, har payment apne mahine ki shuruaat mein ho to, fixed ₹25,000 poore 15 saal chalta hai aur lagbhag ₹10,22,046 bachta hai. Agar amount har saal 6% badhe, to mahina 137 pehla kam mahina hai.
Kya SWP guaranteed monthly income hai?
Nahi. SWP fund units bechta hai. Agar returns maanyata se kam hon, ya withdrawal bahut bada ho, to paisa khatam ho sakta hai.
Kya mera SWP amount inflation ke saath badhna chahiye?
Badhta amount daamon ke saath chalta hai par paisa jaldi khatam karta hai. Fixed amount zyada chalta hai par har saal kam khareedta hai. Chunne se pehle dono compare karo.
SWP calculator par zero balance ka kya matlab hai?
Matlab un maanyataon par paisa khatam ho gaya. Woh pehla mahina dekho jo poora nahi mila, aur usme kitna mila.
Aage padho
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