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In today's video, we'll explore how you can use a Systematic Withdrawal Plan (SWP) to generate a steady monthly income from your Mutual Funds or stock portfolio.
While investing in Mutual Funds or stocks through SIPs or lump sums over the long term can lead to wealth accumulation through the power of compounding, many people wonder why they should wait 20-30 years to reap the rewards. So today, we’ll show you how to achieve financial independence earlier and use SWP to receive monthly income without the need for active work.
In this video, we'll cover five key points:
Understanding the Power of SWP: How It Works
SWP, or Systematic Withdrawal Plan, allows you to withdraw a fixed sum of money regularly from your mutual fund investment. You can choose how much to withdraw and the frequency, whether monthly, quarterly, or at any other interval. On the designated withdrawal date, units from your investment are sold, and the proceeds are transferred to your bank account. This way, you get a consistent income, while your original investment continues to grow, allowing you to build wealth over time alongside your monthly earnings.
The Sequence of Returns Problem: This is a crucial point to consider in an SWP strategy. The sequence of returns refers to the order in which your investment gains or losses occur. If you experience a market downturn early in your retirement or investment period when you're withdrawing money, it can significantly hurt your portfolio's ability to recover. In contrast, if the market performs well early on, your portfolio will grow much faster, even with regular withdrawals. This problem can be especially concerning if your withdrawals are high, and the market is volatile.
Potential Downsides of SWP
We’ll also examine some of the risks associated with SWP, including the possibility of your portfolio depleting over time instead of growing, and how market fluctuations can impact your long-term financial goals.
Final Thoughts
Lastly, we’ll discuss how SWP can offer a pathway to temporary financial independence, helping you manage debt and overcome the financial pressures that society often imposes on us.
I hope you found this video useful."
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