+91-9873370717

contact@loansuvidhaa.com

LEGAL CONSULTANCY

Best Way To Create Second Source of Income: Systematic Withdrawal Plan in Mutual Fund (SWP)

Discover how Loan Suvidha Systematic Withdrawal Plans (SWP) streamline your investment management process. SWP allows you to withdraw a fixed amount from your mutual fund investments regularly, ensuring a steady income stream alongside capital appreciation. Our SWP solutions are tailored to your financial objectives, offering flexibility and convenience in wealth management.

Get Income growth In SWP

Fill The Enquiry Form Now

Convenient

Flexible

Withdrawal Flexibility

Capital
Appreciation

Tax Efficient

₹10,00,000/- INVESTED FOR 10 YEARS

Bank FD Fees & SWP
Monthly Income @ 6% ₹ 5,000/- ₹ 5,000/-
Total Amount Received in 10 Years ₹ 6,00,000/- ₹ 6,00,000/-
TDS/Tax Deduction ₹ 60,000/- NIL
Taxation as Per IT Slab LOW**
End Value at the Time of Maturity ₹10,00,000/- ₹21,78,000/-***
Total Approax Received Value ₹16,00,000/- ₹27,78,000/-***

Key Considerations For Choosing The Best SWP Plan With Loan Suvidha

Before selecting the right SWP plan with Loan Suvidha, consider essential factors such as the stability of mutual funds, asset allocation strategies, and associated fees. Align your investments with your financial goals, evaluate withdrawal consistency, and understand tax implications to make well-informed decisions for your future financial security.

Assessing Financial Needs for Strategic Investing

When determining your investment amount, it's vital to consider future financial goals like retirement or significant purchases such as a home or car. With Loan Suvidha, strategically plan your investments to align with your long-term aspirations.

Steady Earnings with Loan Suvidha

Before opting for SWP, evaluate your financial requirements. If you don't need constant access to funds, consider lump-sum withdrawals or monthly SWP for a customized approach.

Retirement Income Planning with Loan Suvidha

Leverage SWP as a reliable source of retirement income with preferred mutual funds. When set up correctly, it ensures a consistent income stream during retirement, providing financial stability.

Tax Implications with Loan Suvidha

Supplementing your income with SWP requires careful consideration of tax implications. SWP distributions are subject to capital gains tax, which varies based on investment duration and tax regulations. Loan Suvidha offers guidance to navigate these complexities, empowering you to make informed decisions.

Market Analysis with Loan Suvidha

Before investing in SWP mutual funds, analyze market conditions thoroughly. With Loan Suvidha expert guidance, make informed decisions based on market performance, ensuring long-term investment success.

Why Choose SWP?

Discover why SWP is a preferred choice for investors seeking regular income while safeguarding their capital. Ideal for retirement planning and addressing specific financial needs over time, SWP offers a reliable solution for achieving financial security.

Unlocking the Advantages of Systematic Withdrawal Plan (SWP)

Explore the numerous advantages of SWP, a strategic investment instrument facilitating systematic fund withdrawals and reinvestments. Experience the stability of fixed income streams coupled with the potential for long-term capital growth. With SWP, tailor your withdrawal amount and frequency to ensure tax-efficient returns. Benefit from the absence of Tax Deductions at Source (TDS), allowing you to optimize tax obligations. Strategically manage withdrawals to uphold steady income while preserving your principal capital for future expansion, empowering you to confidently pursue and attain your financial objectives with assurance and precision.

Exploring Key Features of SWP Investment Plans?

Discover the key characteristics of investing in a Systematic Withdrawal Plan (SWP) in India, outlined in the table below:

List of users
Features Details

Taxes with Indexation Benefit
  • An SWP is considered a long-term investment plan, allowing tax-free withdrawals after one year of investment.

Regular Return and High Gain
  • Unlike fixed deposits, SWP offers the potential for higher returns over time. If the mutual fund scheme performs well, investors can expect better returns compared to fixed deposits.

Investment in SIP
  • SWP allows reinvestment of returns from mutual fund units, creating an opportunity to start a new SIP without additional investment. Reinvesting SWP returns in another scheme enhances investment diversification and potential returns.

Inflation Benefits
  • Unlike fixed deposits, SWP returns are influenced by inflation rates, providing investors with returns that better align with inflation. Investing in equity and related securities under SWP can offer additional inflation benefits, enhancing long-term wealth accumulation.

Low Risk
  • SWP enables regular withdrawals, helping to mitigate market volatility risks by averaging out market fluctuations. Withdrawing specific amounts at regular intervals reduces the risk of losing the entire investment, making SWP a low-risk investment option.

Minimum Balance
  • Starting an SWP account requires a minimum balance of Rs. 25,000 in the mutual fund. While this initial amount is necessary, it remains accessible for withdrawals over time, providing flexibility in managing finances.

Fund Selection Options
  • Investors have the flexibility to choose from a wide range of mutual funds and investment schemes for SWP, allowing them to select options that align with their risk tolerance, investment objectives, and financial goals. Diverse fund selection options enable investors to create a customized SWP strategy tailored to their specific needs.

Capital Preservation
  • SWP focuses on preserving capital while providing regular income, making it suitable for investors seeking to maintain their investment principal while generating a steady stream of income. This capital preservation aspect enhances financial security and stability over the long term.

Testimonial

“Loan Suvidha provided satisfactory support for my SWP needs. Their team offered clear explanations and guidance throughout the process. I would recommend Loan Suvidha to others considering SWP investments”

Anil Kumar

"I had a positive experience with Loan Suvidha while exploring SWP options. Their team was responsive and professional, addressing all my concerns promptly. I appreciate their assistance and would consider them for future investment needs"

Sunil Grover

"Loan Suvidha proved to be a reliable choice for my SWP investments. Their knowledgeable staff provided comprehensive advice and made the process straightforward. I would recommend Loan Suvidha to anyone in search of quality SWP services"

Dinesh Kumar

Frequently Asked Questions

SWP can serve as a reliable source of retirement income when set up correctly. By selecting preferred mutual funds, investors can ensure a consistent income stream during retirement, providing financial stability in later years.

Supplementing income with SWP requires careful consideration of tax implications. SWP distributions are subject to capital gains tax, which varies based on investment duration and tax regulations. Loan Suvidha offers guidance to navigate these complexities and optimize tax obligations.

SWP offers numerous advantages, including stable fixed income streams, potential long-term capital growth, tax-efficient returns, absence of Tax Deductions at Source (TDS), steady income preservation, and flexibility in managing withdrawals. It is an ideal solution for retirement planning and addressing specific financial needs over time.

An SWP is an investment strategy that allows investors to withdraw a fixed amount from their mutual fund investments regularly. It provides a steady income stream while also allowing for capital appreciation. With Loan Suvidha's SWP solutions, investors can tailor their withdrawals to meet their financial objectives.

Loan Suvidha offers a range of SWP plans tailored to different financial needs, including Retirement Savings SWP, Education Fund SWP, Emergency Cash SWP, Travel & Leisure SWP, Home Renovation SWP, and Medical Expenses SWP. Each plan offers returns of up to 19%, catering to specific financial goals.

When selecting an SWP plan, it's essential to consider factors such as mutual fund stability, asset allocation strategies, associated fees, withdrawal consistency, and tax implications. Aligning investments with financial goals and evaluating market conditions are also crucial considerations.