Aaj kal private jobs mein job security ya pension ka concept nahi hai. Log 30-35 ki age tak pahuch jaate hain, lekin retirement ke baad ka plan nahi hota. Aise mein ek plan hai jo aapko regular income de sakta hai – jiska naam hai Systematic Withdrawal Plan (SWP).
Is post mein hum ek simple example ke through samjhayenge ki agar aap Rs. 5 lakh ka one-time investment abhi karte ho, to 21 saal baad aap kaise Rs. 1 lakh mahina kama sakte ho, bina job ke bhi.
Rahul ki kahani: Jab retirement ka tension hua toh mila SWP ka solution
Rahul, 32 saal ke ek private sector employee hain, jinhone ab tak retirement ke liye kuch khaas planning nahi ki thi. Unki planning hai 55 saal ki age tak retire hone ki. Jab unhone ek financial planner se baat ki, toh unhe SWP ke baare mein pata chala.
Unhe bataya gaya ki agar wo abhi Rs. 5 lakh invest karte hain, to 21 saal mein ek bada fund ban jayega, jisse wo har mahine Rs. 1 lakh withdrawal karke 20 saal tak aram se jee sakte hain.
Investment Planning: Rs. 5 Lakh Ka One-Time Investment Se Bane Rs. 94 Lakh Ka Retirement Fund
Rahul jaise kai logon ke liye sabse bada sawaal hota hai – itna bada fund kaise banega?
Agar aap Rs. 5 lakh ek baar mein invest karte hain kisi achhe mutual fund mein, aur us par 15% ka annual return milta hai, to 21 saal baad ye paisa grow hoke ban sakta hai Rs. 94 lakh ke aas-paas.
Calculation:
- Investment: Rs. 5,00,000 (One-Time)
- Duration: 21 Years
- Assumed Annual Return: 15%
- Final Value: Rs. 94,00,000
Aise mutual funds jo 15-18% return historically de chuke hain, unka use retirement ke fund banane mein kiya ja sakta hai.
Ab 94 Lakh Se Har Mahine Rs. 1 Lakh Income Kaise Milegi?
Jab Rahul 21 saal baad retire karenge, tab unke paas Rs. 94 lakh ka corpus hoga. Ab us paise ko wo kisi debt mutual fund mein daalte hain jahan se 8% ka safe return milta ho.
Fir wo ek SWP (Systematic Withdrawal Plan) start karte hain, jahan har mahine unke bank account mein Rs. 1 lakh transfer hoga. Ye paisa 20 saal tak chalega.
SWP Plan Details:
- Start Amount: Rs. 94,00,000
- Monthly Withdrawal: Rs. 1,00,000
- Duration: 20 Years
- Annual Return: 8%
- Total Withdrawal in 20 Years: Rs. 1.45 Crore
- Interest Earned: Rs. 51 Lakh
- Final Balance: Rs. 747
20 Saal Ka SWP Chart: Saal-Dar-Saal Kitna Paisa Mila Aur Bacha
| Year | Withdrawn (Rs. ) | Return Earned (Rs. ) | Remaining Amount (Rs. ) |
| 2025 | 12,00,000 | 7,08,611 | 89,08,611 |
| 2026 | 12,00,000 | 6,69,301 | 83,77,912 |
| 2027 | 12,00,000 | 6,26,844 | 78,04,756 |
| 2028 | 12,00,000 | 5,81,992 | 71,85,748 |
| 2029 | 12,00,000 | 5,32,469 | 65,17,219 |
| 2030 | 12,00,000 | 4,77,989 | 57,95,208 |
| 2031 | 12,00,000 | 4,20,228 | 50,15,436 |
| 2032 | 12,00,000 | 3,57,846 | 41,73,282 |
| 2033 | 12,00,000 | 2,90,474 | 32,63,756 |
| 2034 | 12,00,000 | 2,17,712 | 22,81,468 |
| 2035 | 12,00,000 | 1,39,128 | 12,20,596 |
| 2036 | 12,00,000 | 74,259 | 74,855 |
| 2037 | 12,00,000 | 74,989 | 80,844 |
| 2038 | 12,00,000 | 75,467 | 87,311 |
| 2039 | 12,00,000 | 76,985 | 94,296 |
| 2040 | 12,00,000 | 77,553 | 549 |
| 2041 | 12,00,000 | 44 | 593 |
| 2042 | 12,00,000 | 47 | 640 |
| 2043 | 12,00,000 | 52 | 692 |
| 2044 | 12,00,000 | 55 | 747 |
(Source: Franklin Templeton SWP Calculator)
SWP Kaise Kaam Karta Hai?
Systematic Withdrawal Plan ya SWP ek aisa system hai jahan aap mutual fund se har mahine ek fix amount nikal sakte ho. Ye especially unke liye useful hai jo job se retire ho rahe hain ya job break lena chahte hain.
SWP ke Features:
- Har mahine fix amount aapke bank mein aayega.
- Baaki paisa fund mein laga rahega aur uspe interest bhi milega.
- Aap chahein to SWP kabhi bhi band kar sakte hain.
- Tax benefit bhi milta hai, kyunki long-term capital gain tax zyada nahi lagta.
SWP Kyon Hai Retirement Ke Liye Best?
- Regular Income: Job ke baad bhi har mahine paisa milta rahega.
- Control: Aap decide karte ho kitna paisa aur kab nikalna hai.
- Safety with Return: Safe funds choose karke aapko interest bhi milta hai.
- Flexibility: SWP ko badla ja sakta hai according to need.
Fund Kaise Banaye SWP Ke Liye?
Agar aap young hain, say 30-35 saal ke beech, to abhi se planning start karein. Aap SIP ke through bhi fund bana sakte hain. Agar aap Rs. 5,000 monthly invest karte ho kisi equity mutual fund mein 20 saal tak, to bhi Rs. 90 lakh ka fund bana sakte ho 15% return par.
Ya agar aapke paas Rs. 5 lakh ka lump sum paisa hai, to abhi invest karke SWP ke liye retirement ka base tayar kar sakte ho.
SWP Start Karne Se Pehle Kya Dhyan Rakhein?
- Fund selection carefully karein, preferably large-cap ya balanced funds.
- Tax planning karein, kyunki withdrawals par tax lagta hai.
- Monthly requirement ko dhyan mein rakhkar amount set karein.
- Har 6 mahine ya 1 saal baad plan ko review karein.
