Planning to withdraw your mutual fund investments? You can use the Bajaj Broking SWP calculator to explore different withdrawal scenarios and see how they may affect your portfolio over time.
A Systematic Withdrawal Plan, or SWP, is a simple way for investors to withdraw money from their mutual fund investments in fixed intervals. Instead of redeeming the entire amount at once, you can choose how much to withdraw and how often. This gives you a steady cash flow without disturbing the rest of your investment.
An SWP calculator is an online tool that helps you estimate how long your investment will last when you withdraw a fixed amount regularly. You simply enter your investment value, expected return, withdrawal amount, and frequency. The calculator instantly shows your remaining balance, duration, and potential earnings.
An SWP calculator gives you a clear picture of how your mutual fund investment behaves when you set up fixed withdrawals. It helps you test different withdrawal amounts so you don't accidentally withdraw more than your investment can support.
The Bajaj Broking SWP Calculator is designed to make income planning easy and transparent. It gives you a detailed view of how your investment and withdrawals interact over time.
Using the SWP Calculator is simple and takes just a few steps.
The tool will instantly show how long your money will last, your projected balance, and the effect of returns on your investment.
Scenario | Explanation |
₹10 lakh invested with ₹10,000 monthly withdrawals | The calculator shows how long your balance will last based on expected returns. |
Retiree investing ₹15 lakh with ₹12,000 monthly withdrawals | Helps plan monthly income to cover living expenses. |
Irregular income, comparing quarterly vs monthly withdrawals | Helps decide which withdrawal frequency suits long-term goals. |
These examples show how changes in withdrawal amounts or returns can affect the sustainability of your SWP.
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A lumpsum investment is when you invest a large amount of money at one time instead of spreading it across monthly instalments. It's often used when someone receives a bonus or inheritance, or when they have savings they want to grow over a fixed period.
A Lumpsum Calculator helps you estimate the future value of a one-time mutual fund investment. You simply enter your investment amount, expected rate of return, and the number of years you plan to stay invested. The calculator instantly shows your estimated returns, total investment value, and potential wealth gain.
A Lumpsum Calculator removes the guesswork from investment planning by showing how your money grows with compounding. You can test different time horizons, return rates, or investment amounts to see how they affect your final corpus.
A lumpsum investment can build wealth faster if the markets perform well because the entire amount starts compounding immediately. It's ideal for long-term goals like retirement, education planning, or wealth creation.
Most Lumpsum Calculators use the compound interest formula to estimate returns:
Formula: A = P (1 + r/100)ⁿ
Where:
Example: If you invest ₹2,00,000 for 10 years at an expected 12% annual return, the calculator computes:
A = P × (1 + r)^n
A = 2,00,000 × (1 + 12/100)^10
A = 2,00,000 × 3.1058
Final Value = ₹6,21,160.
Using the calculator is simple and takes just a few steps:
You'll instantly see your total corpus, estimated wealth gain, and how compounding impacts your investment. This helps you plan long-term financial goals with clarity and confidence.
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A SWP calculator can help you plan your mutual fund withdrawals strategically, so you can meet your financial needs without eroding your corpus earlier than expected.
You can find a SWP calculator online on various financial planning websites. Bajaj Broking also offers this tool online free of charge, so you can use it to create your mutual fund withdrawal strategy.
A SWP or Systematic Withdrawal Plan is a redemption strategy that involves systematically withdrawing from your mutual fund corpus. Any mutual fund investor can opt for a SWP. However, it is advisable to avoid withdrawing your mutual fund investments till you retire.
A SWP is a mutual fund redemption strategy. The particulars of the strategy, such as the amount you wish to withdraw and the frequency of withdrawal, depend on your financial situation and goals.
If you plan your withdrawals strategically, you can reduce your capital gains tax or even enjoy exemptions on the long-term capital gains from equity funds up to Rs. 1 lakh.
Yes, SWP can be stopped at any time without affecting the investment. There are different ways to do so, depending on the platform you are using; some offer an online portal, while others require you to submit a written request to discontinue.
Yes, you can rely on the SWP calculator results, as it combines factors such as your investment amount, expected monthly withdrawal rate, and duration. However, the interest rate on SWP varies with market conditions. It may increase or decrease, thereby changing the estimated returns.
The return on the SWP is subject to market conditions.
SWP or FD which one you should be choosing depends on thA Systematic Withdrawal Plan (SWP) is better than a Fixed Deposit, depending entirely on your financial goals, risk tolerance, and need for income. While FDs offer safety and guaranteed returns, SWPs offer potentially higher, inflation-beating returns and greater flexibility.
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