SWP kya hota hai? Mutual Fund se Mahine ki Regular Income ka Poora Guide
Personal Finance | Investment Guide
Bahut se investors paisa invest to kar lete hain, lekin jab mahine ki regular income ki baat aati hai, to unka pehla option sirf FD hota hai. Lekin mutual fund ke andar hi ek aisa system hai jo income bhi deta hai aur bacha hua paisa invest bhi rehta hai — SWP (Systematic Withdrawal Plan).
SWP kya hota hai?
SWP ek withdrawal method hai jisme aap apne mutual fund investment se har mahine ek fixed amount nikaalte hain. Is process me sirf utni units redeem hoti hain jitni income ke liye zaroori hoti hain, baaki paisa market me invested rehta hai.
Simple shabdon me:
- Investment kaam karta rehta hai
- Monthly income milti rehti hai
- Pura paisa ek saath khatam nahi hota
SWP kaise kaam karta hai?
- Pehle aap lump sum ya SIP ke through mutual fund me invest karte hain
- Investment ko thoda time grow karne diya jata hai
- Uske baad ek fixed monthly withdrawal set kiya jata hai
- Har mahine fund se proportional units redeem hoti hain
SWP ka practical example
Maan lijiye aapne:
- Total investment: ₹20,00,000
- Expected long-term return: 10–12% per year
- Monthly SWP: ₹12,000
Is situation me aap saal bhar me ₹1,44,000 withdraw kar rahe hain. Agar long-term return withdrawal rate se zyada raha, to capital par pressure nahi padega aur investment time ke saath stable reh sakti hai.
SWP tab sustainable hota hai jab withdrawal rate long-term expected return se kam rakha jaye.
SWP kis type ke investors ke liye sahi hai?
- Retired log jo monthly income chahte hain
- Business owners jinko cashflow manage karna hota hai
- Investors jo FD ke alawa flexible income option dekh rahe hain
FD aur SWP me basic difference
- FD: Fixed interest, poora interest taxable hota hai
- SWP: Flexible withdrawal, long-term me better tax structure ho sakta hai
SWP ke risks kya hote hain?
- Market girne par short-term returns kam ho sakte hain
- Agar withdrawal zyada rakha gaya to capital reduce ho sakta hai
- Short-term income needs ke liye SWP suitable nahi hota
Isliye SWP ko hamesha long-term planning aur discipline ke saath use karna chahiye, na ki short-term profit ke liye.
⚠️ Disclaimer:
KAMKholding SEBI registered investment advisor nahi hai.
Ye article sirf education aur general information ke liye hai.
Kisi bhi investment decision se pehle apne certified financial advisor se salah zaroor lein.
