SIP+SWP: Rs 10,000 monthly SIP for 20 years, Rs 25 lakh lump sum investment, then Rs 2.15 lakh monthly income for 25 years; see expert calculations

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data-url="/personal-finance/photo-gallery-sipswp-for-retirement-planning-corpus-calculator-inr-rs-10000-monthly-sip-and-inr-2500000-lump-sum-investment-and-then-rs-215000-monthly-income-for-25-years-calculations-327783" status="" data-status="n" data-title="SIP+SWP: Rs 10,000 monthly SIP for 20 years, Rs 25 lakh lump sum investment, then Rs 2.15 lakh monthly income for 25 years; see expert calculations"><a name="s327783" id="327783"></a> <div class="bg-page"> <div class="row"> <div id="leftcontent" class="leftcontent"> <div class="col-lg-9 col-md-9 col-sm-12 col-xs-12 col-left"> <div class="left-side"> <div class="left-hold-area"> <div id="breadcrumb"> <div class="breadcrumb-container"> <div itemprop="breadcrumb" class="breadcrumb breadcrumb-gs breadcrumb-gs2"> <span> <a href="/"><span>Home</span></a></span> » <span> <a href="/photos"><span itemprop="title">Photogallery</span></a></span> » <span> <span itemprop="title">SIP+SWP: Rs 10,000 monthly SIP for 20 years, Rs 25 lakh lump sum investment, then Rs 2.15 lakh monthly income for 25 years; see expert calculations</span></span> </div> </div> </div> <div id="Slide" class="vidprabx mrgntp-20px vidprabx-gh vd-listing"> <div class="photo-blk-bg"> <div class="main-photo-block"> <div class="pd-header margin-bt10px"> <h1 class="photo-h margin-bt10px">SIP+SWP: Rs 10,000 monthly SIP for 20 years, Rs 25 lakh lump sum investment, then Rs 2.15 lakh monthly income for 25 years; see expert calculations</h1> <p class="pd-sum margin-bt10px">SIP+SWP For Retirement Corpus: The combination of systematic investment plan (SIP) and systematic withdrawal plan (SWP) can be used for effective retirement planning. Through expert calculations, know how one can generate Rs 2.15 lakh monthly income by using both mutual fund investment methods. </p> <div class="row margin-bt10px"> <div class="col-sm-7 col-md-7"> <span class="date"> <a href="/authors/shaghil-bilali-226886">Shaghil Bilali</a> | Nov 24, 2024, 08:16 PM IST</span> </div> <div class="col-sm-5 col-md-5"> <div class="viewinapp text-left" > <a href="https://zeebusiness.page.link/?link=https://www.zeebiz.com/personal-finance/photo-gallery-sipswp-for-retirement-planning-corpus-calculator-inr-rs-10000-monthly-sip-and-inr-2500000-lump-sum-investment-and-then-rs-215000-monthly-income-for-25-years-calculations-327783%23English&apn=com.zeebusiness.news" target="_blank" title="" onclick="gtag('event', 'ViewInApp', {'event_category' : 'Download App', 'event_label' : '/personal-finance/photo-gallery-sipswp-for-retirement-planning-corpus-calculator-inr-rs-10000-monthly-sip-and-inr-2500000-lump-sum-investment-and-then-rs-215000-monthly-income-for-25-years-calculations-327783'});">View in App</a> </div> <div class="text-right photo-s"> <a class="twitter_share" href="https://twitter.com/share?url=https://www.zeebiz.com/personal-finance/photo-gallery-sipswp-for-retirement-planning-corpus-calculator-inr-rs-10000-monthly-sip-and-inr-2500000-lump-sum-investment-and-then-rs-215000-monthly-income-for-25-years-calculations-327783&text=SIP%2BSWP%3A+Rs+10%2C000+monthly+SIP+for+20+years%2C+Rs+25+lakh+lump+sum+investment%2C+then+Rs+2.15+lakh+monthly+income+for+25+years%3B+see+expert+calculations" target="_blank"><img style="width:32px;height:32px;background:white;" src="https://cdn.zeebiz.com/sites/all/themes/zeebiz/images/X-13x27.svg" alt="Twitter" title="Twitter" class="twitter-new-icon"></a> <a class="facebook_share" href="https://www.facebook.com/sharer/sharer.php?u=https://www.zeebiz.com/personal-finance/photo-gallery-sipswp-for-retirement-planning-corpus-calculator-inr-rs-10000-monthly-sip-and-inr-2500000-lump-sum-investment-and-then-rs-215000-monthly-income-for-25-years-calculations-327783" target="_blank"><img src="https://cdn.zeebiz.com/html/images/fs-face-icon.gif" alt="Facebook" title="Facebook"></a> <a class="hidden-lg" href="whatsapp://send?text=SIP%2BSWP%3A+Rs+10%2C000+monthly+SIP+for+20+years%2C+Rs+25+lakh+lump+sum+investment%2C+then+Rs+2.15+lakh+monthly+income+for+25+years%3B+see+expert+calculations - https://www.zeebiz.com/personal-finance/photo-gallery-sipswp-for-retirement-planning-corpus-calculator-inr-rs-10000-monthly-sip-and-inr-2500000-lump-sum-investment-and-then-rs-215000-monthly-income-for-25-years-calculations-327783" title="Whatsapp" target="_blank"><img src="https://cdn.zeebiz.com/html/images/fs-whatsapp-icon.gif" alt="whatapp" title="whatapp"></a> </div> </div> </div> <div class="gal-body"> <div class="field field-name-body field-type-text-with-summary field-label-hidden"><div class="field-items"><div class="field-item even" property="content:encoded"><p><strong>SIP+SWP For Retirement Corpus:</strong> Retirement planning is important for every young individual, but how one should do it is equally tough. However, if you have made up your mind to start retirement planning, there are 3 things to focus on. Firstly, take higher risk to build a corpus when you are young. Secondly, use time to your advantage. Third, pay yourself regular pensions in a tax-efficient manner. The interesting part is that all 3 objectives can be accomplished. Let us look at the wealth creation up to retirement and then the wealth payback post retirement.</p> <p><strong>Photos: Unsplash/Pixabay</strong></p> </div></div></div> </div> </div> <div class="photo-details-block margin-bt50px" id="jsp327785" data-url="/personal-finance/photo-gallery-sipswp-for-retirement-planning-corpus-calculator-inr-rs-10000-monthly-sip-and-inr-2500000-lump-sum-investment-and-then-rs-215000-monthly-income-for-25-years-calculations-327783" > <div class="p-con-block"> <div class="row"> <div class="col-sm-2 col-md-1"> <div class="photo-count"><span>1</span>/11</div> </div> <div class="col-sm-10 col-md-11"> <h3 class="img-tit"> Expert view </h3> </div> </div> </div> <div class="p-black-bg"><img data-qazy="false" src="https://cdn.zeebiz.com/sites/default/files/2024/11/22/332880-income-tax-pixabay-3.jpg" data-large="https://cdn.zeebiz.com/sites/default/files/2024/11/22/332880-income-tax-pixabay-3.jpg" data-description="Neha Mota, founder, Finnovate Financial Services, says, "When you are young, you have higher risk appetite. That is when you take on the higher risk of equity funds to create wealth. Let us assume a person has current corpus of Rs 25 lakhs, which they want to invest for retirement. In addition, they also plan a monthly SIP of Rs 10,000 for the next 20 years; at which point they plan to retire. We assume post-tax returns of 12 per cent CAGR over these 20 accumulation years. Here is how your corpus will look after 20 years. " data-alt="Expert view" data-title="Expert view" title="Expert view" alt="Expert view" class="img-responsive margin-auto"></div> <div class="p-con-block"> <div class="row"> <div class="col-sm-8 col-md-10"> <h3><p>Neha Mota, founder, Finnovate Financial Services, says, "When you are young, you have higher risk appetite. That is when you take on the higher risk of equity funds to create wealth. Let us assume a person has current corpus of Rs 25 lakhs, which they want to invest for retirement. In addition, they also plan a monthly SIP of Rs 10,000 for the next 20 years; at which point they plan to retire. We assume post-tax returns of 12 per cent CAGR over these 20 accumulation years. Here is how your corpus will look after 20 years.</p> </h3> </div> <div class="col-sm-4 col-md-2"> <div class="text-right s-white"> <a target="_blank" href="https://www.facebook.com/sharer/sharer.php?u=https://www.zeebiz.com/personal-finance/photo-gallery-sipswp-for-retirement-planning-corpus-calculator-inr-rs-10000-monthly-sip-and-inr-2500000-lump-sum-investment-and-then-rs-215000-monthly-income-for-25-years-calculations-327783" title="Facebook" class="facebook_share"><img src="https://cdn.zeebiz.com/html/images/fs-face-icon.gif" alt="Facebook" title="Facebook"></a> <a target="_blank" href="https://twitter.com/share?url=https://www.zeebiz.com/personal-finance/photo-gallery-sipswp-for-retirement-planning-corpus-calculator-inr-rs-10000-monthly-sip-and-inr-2500000-lump-sum-investment-and-then-rs-215000-monthly-income-for-25-years-calculations-327783&text=Expert view" title="Twitter" class="twitter_share"><img src="https://cdn.zeebiz.com/sites/all/themes/zeebiz/images/X-13x27.svg" style="width:32px;height:32px;background:white;" alt="Twitter" title="Twitter" class="twitter-new-icon"></a> <a class="hidden-lg" href="whatsapp://send?text=Expert+view - https://www.zeebiz.com/personal-finance/photo-gallery-sipswp-for-retirement-planning-corpus-calculator-inr-rs-10000-monthly-sip-and-inr-2500000-lump-sum-investment-and-then-rs-215000-monthly-income-for-25-years-calculations-327783" title="Whatsapp" target="_blank"><img src="https://cdn.zeebiz.com/html/images/fs-whatsapp-icon.gif" alt="whatapp" title="whatapp"></a> </div> </div> </div> </div> </div><div class="photo-details-block margin-bt50px" id="jsp327786" data-url="/personal-finance/photo-gallery-sipswp-for-retirement-planning-corpus-calculator-inr-rs-10000-monthly-sip-and-inr-2500000-lump-sum-investment-and-then-rs-215000-monthly-income-for-25-years-calculations-327783/retirement-corpus-table-327786" > <div class="p-con-block"> <div class="row"> <div class="col-sm-2 col-md-1"> <div class="photo-count"><span>2</span>/11</div> </div> <div class="col-sm-10 col-md-11"> <h3 class="img-tit"> Retirement corpus table </h3> </div> </div> </div> <div class="p-black-bg"><img data-qazy="true" src="https://cdn.zeebiz.com/sites/default/files/2024/11/22/332881-indian-currency-pixabay-1.jpg" data-large="https://cdn.zeebiz.com/sites/default/files/2024/11/22/332881-indian-currency-pixabay-1.jpg" data-description=" Particulars Amount Value of ₹25 lakh corpus after 20 years ₹2,41,15,732 Value of ₹10,000 monthly SIP after 20 years ₹91,98,574 Total corpus available after 20 years ₹3,33,14,306 Chart Courtesy: Finnovate   " data-alt="Retirement corpus table" data-title="Retirement corpus table" title="Retirement corpus table" alt="Retirement corpus table" class="img-responsive margin-auto"></div> <div class="p-con-block"> <div class="row"> <div class="col-sm-8 col-md-10"> <h3><table border="1" cellpadding="0" cellspacing="0"> <tbody> <tr> <td style="width:368px;"> <p align="center"><strong>Particulars</strong></p> </td> <td style="width:233px;"> <p align="center"><strong>Amount</strong></p> </td> </tr> <tr> <td style="width:368px;"> <p>Value of ₹25 lakh corpus after 20 years</p> </td> <td style="width:233px;"> <p align="right">₹2,41,15,732</p> </td> </tr> <tr> <td style="width:368px;"> <p>Value of ₹10,000 monthly SIP after 20 years</p> </td> <td style="width:233px;"> <p align="right">₹91,98,574</p> </td> </tr> <tr> <td style="width:368px;"> <p><strong>Total corpus available after 20 years</strong></p> </td> <td style="width:233px;"> <p align="right"><strong>₹3,33,14,306</strong></p> </td> </tr> </tbody> </table> <p><strong>Chart Courtesy: Finnovate</strong></p> <p> </p> </h3> </div> <div class="col-sm-4 col-md-2"> <div class="text-right s-white"> <a target="_blank" href="https://www.facebook.com/sharer/sharer.php?u=https://www.zeebiz.com/personal-finance/photo-gallery-sipswp-for-retirement-planning-corpus-calculator-inr-rs-10000-monthly-sip-and-inr-2500000-lump-sum-investment-and-then-rs-215000-monthly-income-for-25-years-calculations-327783/retirement-corpus-table-327786" title="Facebook" class="facebook_share"><img src="https://cdn.zeebiz.com/html/images/fs-face-icon.gif" alt="Facebook" title="Facebook"></a> <a target="_blank" href="https://twitter.com/share?url=https://www.zeebiz.com/personal-finance/photo-gallery-sipswp-for-retirement-planning-corpus-calculator-inr-rs-10000-monthly-sip-and-inr-2500000-lump-sum-investment-and-then-rs-215000-monthly-income-for-25-years-calculations-327783/retirement-corpus-table-327786&text=Retirement corpus table" title="Twitter" class="twitter_share"><img src="https://cdn.zeebiz.com/sites/all/themes/zeebiz/images/X-13x27.svg" style="width:32px;height:32px;background:white;" alt="Twitter" title="Twitter" class="twitter-new-icon"></a> <a class="hidden-lg" href="whatsapp://send?text=Retirement+corpus+table - https://www.zeebiz.com/personal-finance/photo-gallery-sipswp-for-retirement-planning-corpus-calculator-inr-rs-10000-monthly-sip-and-inr-2500000-lump-sum-investment-and-then-rs-215000-monthly-income-for-25-years-calculations-327783/retirement-corpus-table-327786" title="Whatsapp" target="_blank"><img src="https://cdn.zeebiz.com/html/images/fs-whatsapp-icon.gif" alt="whatapp" title="whatapp"></a> </div> </div> </div> </div> </div><div class="photo-details-block margin-bt50px" id="jsp327787" data-url="/personal-finance/photo-gallery-sipswp-for-retirement-planning-corpus-calculator-inr-rs-10000-monthly-sip-and-inr-2500000-lump-sum-investment-and-then-rs-215000-monthly-income-for-25-years-calculations-327783/retirement-corpus-327787" > <div class="p-con-block"> <div class="row"> <div class="col-sm-2 col-md-1"> <div class="photo-count"><span>3</span>/11</div> </div> <div class="col-sm-10 col-md-11"> <h3 class="img-tit"> Retirement corpus </h3> </div> </div> </div> <div class="p-black-bg"><img data-qazy="true" src="https://cdn.zeebiz.com/sites/default/files/2024/11/22/332882-coin-pixabay-take.jpg" data-large="https://cdn.zeebiz.com/sites/default/files/2024/11/22/332882-coin-pixabay-take.jpg" data-description="As can be seen in the above table, the individual will have a corpus of around Rs 3.33 crore at the end of 20 years on retirement, from a combination of the SIP and the lumpsum investment future value. That becomes the base corpus for SWP. " data-alt="Retirement corpus " data-title="Retirement corpus " title="Retirement corpus " alt="Retirement corpus " class="img-responsive margin-auto"></div> <div class="p-con-block"> <div class="row"> <div class="col-sm-8 col-md-10"> <h3><p>As can be seen in the above table, the individual will have a corpus of around Rs 3.33 crore at the end of 20 years on retirement, from a combination of the SIP and the lumpsum investment future value. That becomes the base corpus for SWP.</p> </h3> </div> <div class="col-sm-4 col-md-2"> <div class="text-right s-white"> <a target="_blank" href="https://www.facebook.com/sharer/sharer.php?u=https://www.zeebiz.com/personal-finance/photo-gallery-sipswp-for-retirement-planning-corpus-calculator-inr-rs-10000-monthly-sip-and-inr-2500000-lump-sum-investment-and-then-rs-215000-monthly-income-for-25-years-calculations-327783/retirement-corpus-327787" title="Facebook" class="facebook_share"><img src="https://cdn.zeebiz.com/html/images/fs-face-icon.gif" alt="Facebook" title="Facebook"></a> <a target="_blank" href="https://twitter.com/share?url=https://www.zeebiz.com/personal-finance/photo-gallery-sipswp-for-retirement-planning-corpus-calculator-inr-rs-10000-monthly-sip-and-inr-2500000-lump-sum-investment-and-then-rs-215000-monthly-income-for-25-years-calculations-327783/retirement-corpus-327787&text=Retirement corpus " title="Twitter" class="twitter_share"><img 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post-retirement via SWP </h3> </div> </div> </div> <div class="p-black-bg"><img data-qazy="true" src="https://cdn.zeebiz.com/sites/default/files/2024/11/22/332883-coin-unsplash-take-1.jpg" data-large="https://cdn.zeebiz.com/sites/default/files/2024/11/22/332883-coin-unsplash-take-1.jpg" data-description=" Month SIP Return Total Amount Add SIP Total Cash Flow 1 10,000 95 10,095 10,000 20,095 12 1,26,465 1,200 1,27,665 10,000 1,37,665 24 2,68,106 2,544 2,70,650 10,000 2,80,650 36 4,26,743 4,049 4,30,793 10,000 4,40,793 48 6,04,418 5,735 6,10,153 10,000 6,20,153 60 8,03,413 7,623 8,11,036 10,000 8,21,036 72 10,26,287 9,738 10,36,025 10,000 10,46,025 84 12,75,907 12,107 12,88,013 10,000 12,98,013 96 15,55,480 14,760 15,70,240 10,000 15,80,240 108 18,68,603 17,731 18,86,334 10,000 18,96,334 120 22,19,300 21,058 22,40,359 10,000 22,50,359 132 26,12,081 24,785 26,36,867 10,000 26,46,867 144 30,51,996 28,960 30,80,956 10,000 30,90,956 156 35,44,701 33,635 35,78,336 10,000 35,88,336 168 40,96,530 38,871 41,35,401 10,000 41,45,401 180 47,14,578 44,736 47,59,314 10,000 47,69,314 192 54,06,793 51,304 54,58,097 10,000 54,68,097 204 61,82,073 58,660 62,40,733 10,000 62,50,733 216 70,50,387 66,900 71,17,286 10,000 71,27,286 228 80,22,898 76,128 80,99,026 10,000 81,09,026 240 91,12,111 86,463 91,98,574 Nil 91,98,574 " data-alt="Wealth payback post-retirement via SWP" data-title="Wealth payback post-retirement via SWP" title="Wealth payback post-retirement via SWP" alt="Wealth payback post-retirement via SWP" class="img-responsive margin-auto"></div> <div class="p-con-block"> <div class="row"> <div class="col-sm-8 col-md-10"> <h3><table border="1" cellpadding="0" cellspacing="0" style="width:100.0%;" width="100%"> <tbody> <tr> <td nowrap="nowrap" style="width:13.14%;height:20px;"> <p><strong>Month</strong></p> </td> <td nowrap="nowrap" style="width:17.7%;height:20px;"> <p><strong>SIP</strong></p> </td> <td nowrap="nowrap" style="width:15.82%;height:20px;"> <p><strong>Return</strong></p> </td> <td nowrap="nowrap" style="width:19.04%;height:20px;"> <p><strong>Total Amount</strong></p> </td> <td nowrap="nowrap" style="width:14.2%;height:20px;"> <p><strong>Add SIP</strong></p> </td> <td nowrap="nowrap" style="width:20.1%;height:20px;"> <p><strong>Total Cash Flow</strong></p> </td> </tr> <tr> <td nowrap="nowrap" style="width:13.14%;height:20px;"> <p align="right">1</p> </td> <td nowrap="nowrap" style="width:17.7%;height:20px;"> <p align="right">10,000</p> </td> <td nowrap="nowrap" style="width:15.82%;height:20px;"> <p align="right">95</p> </td> <td nowrap="nowrap" style="width:19.04%;height:20px;"> <p align="right">10,095</p> </td> <td nowrap="nowrap" style="width:14.2%;height:20px;"> <p align="right">10,000</p> </td> <td nowrap="nowrap" style="width:20.1%;height:20px;"> <p align="right">20,095</p> </td> </tr> <tr> <td nowrap="nowrap" style="width:13.14%;height:20px;"> <p align="right">12</p> </td> <td nowrap="nowrap" style="width:17.7%;height:20px;"> <p align="right">1,26,465</p> </td> <td nowrap="nowrap" style="width:15.82%;height:20px;"> <p align="right">1,200</p> </td> <td nowrap="nowrap" style="width:19.04%;height:20px;"> <p align="right">1,27,665</p> </td> <td nowrap="nowrap" style="width:14.2%;height:20px;"> <p align="right">10,000</p> </td> <td nowrap="nowrap" style="width:20.1%;height:20px;"> <p align="right">1,37,665</p> </td> </tr> <tr> <td nowrap="nowrap" style="width:13.14%;height:20px;"> <p align="right">24</p> </td> <td nowrap="nowrap" style="width:17.7%;height:20px;"> <p align="right">2,68,106</p> </td> <td nowrap="nowrap" style="width:15.82%;height:20px;"> <p align="right">2,544</p> </td> <td nowrap="nowrap" style="width:19.04%;height:20px;"> <p align="right">2,70,650</p> </td> <td nowrap="nowrap" style="width:14.2%;height:20px;"> <p align="right">10,000</p> </td> <td nowrap="nowrap" style="width:20.1%;height:20px;"> <p align="right">2,80,650</p> </td> </tr> <tr> <td nowrap="nowrap" style="width:13.14%;height:20px;"> <p align="right">36</p> </td> <td nowrap="nowrap" style="width:17.7%;height:20px;"> <p align="right">4,26,743</p> </td> <td nowrap="nowrap" style="width:15.82%;height:20px;"> <p align="right">4,049</p> </td> <td nowrap="nowrap" style="width:19.04%;height:20px;"> <p align="right">4,30,793</p> </td> <td nowrap="nowrap" style="width:14.2%;height:20px;"> <p align="right">10,000</p> </td> <td nowrap="nowrap" style="width:20.1%;height:20px;"> <p align="right">4,40,793</p> </td> </tr> <tr> <td nowrap="nowrap" style="width:13.14%;height:20px;"> <p align="right">48</p> </td> <td nowrap="nowrap" style="width:17.7%;height:20px;"> <p align="right">6,04,418</p> </td> <td nowrap="nowrap" style="width:15.82%;height:20px;"> <p align="right">5,735</p> </td> <td nowrap="nowrap" style="width:19.04%;height:20px;"> <p align="right">6,10,153</p> </td> <td nowrap="nowrap" style="width:14.2%;height:20px;"> <p align="right">10,000</p> </td> <td nowrap="nowrap" style="width:20.1%;height:20px;"> <p align="right">6,20,153</p> </td> </tr> <tr> <td nowrap="nowrap" style="width:13.14%;height:20px;"> <p align="right">60</p> </td> <td nowrap="nowrap" style="width:17.7%;height:20px;"> <p align="right">8,03,413</p> </td> <td nowrap="nowrap" style="width:15.82%;height:20px;"> <p align="right">7,623</p> </td> <td nowrap="nowrap" style="width:19.04%;height:20px;"> <p align="right">8,11,036</p> </td> <td nowrap="nowrap" style="width:14.2%;height:20px;"> <p align="right">10,000</p> </td> <td nowrap="nowrap" style="width:20.1%;height:20px;"> <p align="right">8,21,036</p> </td> </tr> <tr> <td nowrap="nowrap" style="width:13.14%;height:20px;"> <p align="right">72</p> </td> <td nowrap="nowrap" style="width:17.7%;height:20px;"> <p align="right">10,26,287</p> </td> <td nowrap="nowrap" style="width:15.82%;height:20px;"> <p align="right">9,738</p> </td> <td nowrap="nowrap" style="width:19.04%;height:20px;"> <p align="right">10,36,025</p> </td> <td nowrap="nowrap" style="width:14.2%;height:20px;"> <p align="right">10,000</p> </td> <td nowrap="nowrap" style="width:20.1%;height:20px;"> <p align="right">10,46,025</p> </td> </tr> <tr> <td nowrap="nowrap" style="width:13.14%;height:20px;"> <p align="right">84</p> </td> <td nowrap="nowrap" style="width:17.7%;height:20px;"> <p align="right">12,75,907</p> </td> <td nowrap="nowrap" style="width:15.82%;height:20px;"> <p align="right">12,107</p> </td> <td nowrap="nowrap" style="width:19.04%;height:20px;"> <p align="right">12,88,013</p> </td> <td nowrap="nowrap" style="width:14.2%;height:20px;"> <p align="right">10,000</p> </td> <td nowrap="nowrap" style="width:20.1%;height:20px;"> <p align="right">12,98,013</p> </td> </tr> <tr> <td nowrap="nowrap" style="width:13.14%;height:20px;"> <p align="right">96</p> </td> <td nowrap="nowrap" style="width:17.7%;height:20px;"> <p align="right">15,55,480</p> </td> <td nowrap="nowrap" style="width:15.82%;height:20px;"> <p align="right">14,760</p> </td> <td nowrap="nowrap" style="width:19.04%;height:20px;"> <p align="right">15,70,240</p> </td> <td nowrap="nowrap" style="width:14.2%;height:20px;"> <p align="right">10,000</p> </td> <td nowrap="nowrap" style="width:20.1%;height:20px;"> <p align="right">15,80,240</p> </td> </tr> <tr> <td nowrap="nowrap" style="width:13.14%;height:20px;"> <p align="right">108</p> </td> <td nowrap="nowrap" style="width:17.7%;height:20px;"> <p align="right">18,68,603</p> </td> <td nowrap="nowrap" style="width:15.82%;height:20px;"> <p align="right">17,731</p> </td> <td nowrap="nowrap" style="width:19.04%;height:20px;"> <p align="right">18,86,334</p> </td> <td nowrap="nowrap" style="width:14.2%;height:20px;"> <p align="right">10,000</p> </td> <td nowrap="nowrap" style="width:20.1%;height:20px;"> <p align="right">18,96,334</p> </td> </tr> <tr> <td nowrap="nowrap" style="width:13.14%;height:20px;"> <p align="right">120</p> </td> <td nowrap="nowrap" style="width:17.7%;height:20px;"> <p align="right">22,19,300</p> </td> <td nowrap="nowrap" style="width:15.82%;height:20px;"> <p align="right">21,058</p> </td> <td nowrap="nowrap" style="width:19.04%;height:20px;"> <p align="right">22,40,359</p> </td> <td nowrap="nowrap" style="width:14.2%;height:20px;"> <p align="right">10,000</p> </td> <td nowrap="nowrap" style="width:20.1%;height:20px;"> <p align="right">22,50,359</p> </td> </tr> <tr> <td nowrap="nowrap" style="width:13.14%;height:20px;"> <p align="right">132</p> </td> <td nowrap="nowrap" style="width:17.7%;height:20px;"> <p align="right">26,12,081</p> </td> <td nowrap="nowrap" style="width:15.82%;height:20px;"> <p align="right">24,785</p> </td> <td nowrap="nowrap" style="width:19.04%;height:20px;"> <p align="right">26,36,867</p> </td> <td nowrap="nowrap" style="width:14.2%;height:20px;"> <p align="right">10,000</p> </td> <td nowrap="nowrap" style="width:20.1%;height:20px;"> <p align="right">26,46,867</p> </td> </tr> <tr> <td nowrap="nowrap" style="width:13.14%;height:20px;"> <p align="right">144</p> </td> <td nowrap="nowrap" style="width:17.7%;height:20px;"> <p align="right">30,51,996</p> </td> <td nowrap="nowrap" style="width:15.82%;height:20px;"> <p align="right">28,960</p> </td> <td nowrap="nowrap" style="width:19.04%;height:20px;"> <p align="right">30,80,956</p> </td> <td nowrap="nowrap" style="width:14.2%;height:20px;"> <p align="right">10,000</p> </td> <td nowrap="nowrap" style="width:20.1%;height:20px;"> <p align="right">30,90,956</p> </td> </tr> <tr> <td nowrap="nowrap" style="width:13.14%;height:20px;"> <p align="right">156</p> </td> <td nowrap="nowrap" style="width:17.7%;height:20px;"> <p align="right">35,44,701</p> </td> <td nowrap="nowrap" style="width:15.82%;height:20px;"> <p align="right">33,635</p> </td> <td nowrap="nowrap" style="width:19.04%;height:20px;"> <p align="right">35,78,336</p> </td> <td nowrap="nowrap" style="width:14.2%;height:20px;"> <p align="right">10,000</p> </td> <td nowrap="nowrap" style="width:20.1%;height:20px;"> <p align="right">35,88,336</p> </td> </tr> <tr> <td nowrap="nowrap" style="width:13.14%;height:20px;"> <p align="right">168</p> </td> <td nowrap="nowrap" style="width:17.7%;height:20px;"> <p align="right">40,96,530</p> </td> <td nowrap="nowrap" style="width:15.82%;height:20px;"> <p align="right">38,871</p> </td> <td nowrap="nowrap" style="width:19.04%;height:20px;"> <p align="right">41,35,401</p> </td> <td nowrap="nowrap" style="width:14.2%;height:20px;"> <p align="right">10,000</p> </td> <td nowrap="nowrap" style="width:20.1%;height:20px;"> <p align="right">41,45,401</p> </td> </tr> <tr> <td nowrap="nowrap" style="width:13.14%;height:20px;"> <p align="right">180</p> </td> <td nowrap="nowrap" style="width:17.7%;height:20px;"> <p align="right">47,14,578</p> </td> <td nowrap="nowrap" style="width:15.82%;height:20px;"> <p align="right">44,736</p> </td> <td nowrap="nowrap" style="width:19.04%;height:20px;"> <p align="right">47,59,314</p> </td> <td nowrap="nowrap" style="width:14.2%;height:20px;"> <p align="right">10,000</p> </td> <td nowrap="nowrap" style="width:20.1%;height:20px;"> <p align="right">47,69,314</p> </td> </tr> <tr> <td nowrap="nowrap" style="width:13.14%;height:20px;"> <p align="right">192</p> </td> <td nowrap="nowrap" style="width:17.7%;height:20px;"> <p align="right">54,06,793</p> </td> <td nowrap="nowrap" style="width:15.82%;height:20px;"> <p align="right">51,304</p> </td> <td nowrap="nowrap" style="width:19.04%;height:20px;"> <p align="right">54,58,097</p> </td> <td nowrap="nowrap" style="width:14.2%;height:20px;"> <p align="right">10,000</p> </td> <td nowrap="nowrap" style="width:20.1%;height:20px;"> <p align="right">54,68,097</p> </td> </tr> <tr> <td nowrap="nowrap" style="width:13.14%;height:20px;"> <p align="right">204</p> </td> <td nowrap="nowrap" style="width:17.7%;height:20px;"> <p align="right">61,82,073</p> </td> <td nowrap="nowrap" style="width:15.82%;height:20px;"> <p align="right">58,660</p> </td> <td nowrap="nowrap" style="width:19.04%;height:20px;"> <p align="right">62,40,733</p> </td> <td nowrap="nowrap" style="width:14.2%;height:20px;"> <p align="right">10,000</p> </td> <td nowrap="nowrap" style="width:20.1%;height:20px;"> <p align="right">62,50,733</p> </td> </tr> <tr> <td nowrap="nowrap" style="width:13.14%;height:20px;"> <p align="right">216</p> </td> <td nowrap="nowrap" style="width:17.7%;height:20px;"> <p align="right">70,50,387</p> </td> <td nowrap="nowrap" style="width:15.82%;height:20px;"> <p align="right">66,900</p> </td> <td nowrap="nowrap" style="width:19.04%;height:20px;"> <p align="right">71,17,286</p> </td> <td nowrap="nowrap" style="width:14.2%;height:20px;"> <p align="right">10,000</p> </td> <td nowrap="nowrap" style="width:20.1%;height:20px;"> <p align="right">71,27,286</p> </td> </tr> <tr> <td nowrap="nowrap" style="width:13.14%;height:20px;"> <p align="right">228</p> </td> <td nowrap="nowrap" style="width:17.7%;height:20px;"> <p align="right">80,22,898</p> </td> <td nowrap="nowrap" style="width:15.82%;height:20px;"> <p align="right">76,128</p> </td> <td nowrap="nowrap" style="width:19.04%;height:20px;"> <p align="right">80,99,026</p> </td> <td nowrap="nowrap" style="width:14.2%;height:20px;"> <p align="right">10,000</p> </td> <td nowrap="nowrap" style="width:20.1%;height:20px;"> <p align="right">81,09,026</p> </td> </tr> <tr> <td nowrap="nowrap" style="width:13.14%;height:20px;"> <p align="right">240</p> </td> <td nowrap="nowrap" style="width:17.7%;height:20px;"> <p align="right">91,12,111</p> </td> <td nowrap="nowrap" style="width:15.82%;height:20px;"> <p align="right">86,463</p> </td> <td nowrap="nowrap" style="width:19.04%;height:20px;"> <p align="right">91,98,574</p> </td> <td nowrap="nowrap" style="width:14.2%;height:20px;"> <p align="right">Nil</p> </td> <td nowrap="nowrap" style="width:20.1%;height:20px;"> <p align="right">91,98,574</p> </td> </tr> </tbody> </table> </h3> </div> <div class="col-sm-4 col-md-2"> <div 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data-url="/personal-finance/photo-gallery-sipswp-for-retirement-planning-corpus-calculator-inr-rs-10000-monthly-sip-and-inr-2500000-lump-sum-investment-and-then-rs-215000-monthly-income-for-25-years-calculations-327783/corpus-from-siplump-sum-investments-327789" > <div class="p-con-block"> <div class="row"> <div class="col-sm-2 col-md-1"> <div class="photo-count"><span>5</span>/11</div> </div> <div class="col-sm-10 col-md-11"> <h3 class="img-tit"> Corpus from SIP+lump sum investments </h3> </div> </div> </div> <div class="p-black-bg"><img data-qazy="true" src="https://cdn.zeebiz.com/sites/default/files/2024/11/22/332884-coin-unsplash-take.jpg" data-large="https://cdn.zeebiz.com/sites/default/files/2024/11/22/332884-coin-unsplash-take.jpg" data-description="As can be seen in the above table, the individual will have a corpus of around ₹3.33 Crore at the end of 20 years on retirement, from a combination of the SIP and the lumpsum investment future value. That becomes the base corpus for SWP. " data-alt="Corpus from SIP+lump sum investments " data-title="Corpus from SIP+lump sum investments " title="Corpus from SIP+lump sum investments " alt="Corpus from SIP+lump sum investments " class="img-responsive margin-auto"></div> <div class="p-con-block"> <div class="row"> <div class="col-sm-8 col-md-10"> <h3><p>As can be seen in the above table, the individual will have a corpus of around ₹3.33 Crore at the end of 20 years on retirement, from a combination of the SIP and the lumpsum investment future value. That becomes the base corpus for SWP.</p> </h3> </div> <div class="col-sm-4 col-md-2"> <div class="text-right s-white"> <a target="_blank" href="https://www.facebook.com/sharer/sharer.php?u=https://www.zeebiz.com/personal-finance/photo-gallery-sipswp-for-retirement-planning-corpus-calculator-inr-rs-10000-monthly-sip-and-inr-2500000-lump-sum-investment-and-then-rs-215000-monthly-income-for-25-years-calculations-327783/corpus-from-siplump-sum-investments-327789" title="Facebook" class="facebook_share"><img src="https://cdn.zeebiz.com/html/images/fs-face-icon.gif" alt="Facebook" title="Facebook"></a> <a target="_blank" href="https://twitter.com/share?url=https://www.zeebiz.com/personal-finance/photo-gallery-sipswp-for-retirement-planning-corpus-calculator-inr-rs-10000-monthly-sip-and-inr-2500000-lump-sum-investment-and-then-rs-215000-monthly-income-for-25-years-calculations-327783/corpus-from-siplump-sum-investments-327789&text=Corpus from SIP+lump sum investments " title="Twitter" class="twitter_share"><img src="https://cdn.zeebiz.com/sites/all/themes/zeebiz/images/X-13x27.svg" style="width:32px;height:32px;background:white;" alt="Twitter" title="Twitter" class="twitter-new-icon"></a> <a class="hidden-lg" href="whatsapp://send?text=Corpus+from+SIP%2Blump+sum+investments+ - https://www.zeebiz.com/personal-finance/photo-gallery-sipswp-for-retirement-planning-corpus-calculator-inr-rs-10000-monthly-sip-and-inr-2500000-lump-sum-investment-and-then-rs-215000-monthly-income-for-25-years-calculations-327783/corpus-from-siplump-sum-investments-327789" title="Whatsapp" target="_blank"><img src="https://cdn.zeebiz.com/html/images/fs-whatsapp-icon.gif" alt="whatapp" title="whatapp"></a> </div> </div> </div> </div> </div><div class="photo-details-block margin-bt50px" id="jsp327790" data-url="/personal-finance/photo-gallery-sipswp-for-retirement-planning-corpus-calculator-inr-rs-10000-monthly-sip-and-inr-2500000-lump-sum-investment-and-then-rs-215000-monthly-income-for-25-years-calculations-327783/wealth-payback-post-retirement-via-swp-327790" > <div class="p-con-block"> <div class="row"> <div class="col-sm-2 col-md-1"> <div class="photo-count"><span>6</span>/11</div> </div> <div class="col-sm-10 col-md-11"> <h3 class="img-tit"> Wealth payback post-retirement via SWP </h3> </div> </div> </div> <div class="p-black-bg"><img data-qazy="true" src="https://cdn.zeebiz.com/sites/default/files/2024/11/22/332886-indian-currency-pixabay-take-1.jpg" data-large="https://cdn.zeebiz.com/sites/default/files/2024/11/22/332886-indian-currency-pixabay-take-1.jpg" data-description="This is the more important part of the retirement plan. The beauty of the SWP is that it draws down the returns and also the principal over 25 years. In the above case, they will have a corpus of Rs 3.33 crore at the end of 20 years, from which point, their post-retirement monthly pension payout will start. " data-alt="Wealth payback post-retirement via SWP" data-title="Wealth payback post-retirement via SWP" title="Wealth payback post-retirement via SWP" alt="Wealth payback post-retirement via SWP" class="img-responsive margin-auto"></div> <div class="p-con-block"> <div class="row"> <div class="col-sm-8 col-md-10"> <h3><p>This is the more important part of the retirement plan. The beauty of the SWP is that it draws down the returns and also the principal over 25 years. In the above case, they will have a corpus of Rs 3.33 crore at the end of 20 years, from which point, their post-retirement monthly pension payout will start.</p> </h3> </div> <div class="col-sm-4 col-md-2"> <div class="text-right s-white"> <a target="_blank" href="https://www.facebook.com/sharer/sharer.php?u=https://www.zeebiz.com/personal-finance/photo-gallery-sipswp-for-retirement-planning-corpus-calculator-inr-rs-10000-monthly-sip-and-inr-2500000-lump-sum-investment-and-then-rs-215000-monthly-income-for-25-years-calculations-327783/wealth-payback-post-retirement-via-swp-327790" title="Facebook" class="facebook_share"><img src="https://cdn.zeebiz.com/html/images/fs-face-icon.gif" alt="Facebook" title="Facebook"></a> <a target="_blank" href="https://twitter.com/share?url=https://www.zeebiz.com/personal-finance/photo-gallery-sipswp-for-retirement-planning-corpus-calculator-inr-rs-10000-monthly-sip-and-inr-2500000-lump-sum-investment-and-then-rs-215000-monthly-income-for-25-years-calculations-327783/wealth-payback-post-retirement-via-swp-327790&text=Wealth payback post-retirement via SWP" title="Twitter" class="twitter_share"><img src="https://cdn.zeebiz.com/sites/all/themes/zeebiz/images/X-13x27.svg" style="width:32px;height:32px;background:white;" alt="Twitter" title="Twitter" class="twitter-new-icon"></a> <a class="hidden-lg" href="whatsapp://send?text=Wealth+payback+post-retirement+via+SWP - https://www.zeebiz.com/personal-finance/photo-gallery-sipswp-for-retirement-planning-corpus-calculator-inr-rs-10000-monthly-sip-and-inr-2500000-lump-sum-investment-and-then-rs-215000-monthly-income-for-25-years-calculations-327783/wealth-payback-post-retirement-via-swp-327790" title="Whatsapp" target="_blank"><img src="https://cdn.zeebiz.com/html/images/fs-whatsapp-icon.gif" alt="whatapp" title="whatapp"></a> </div> </div> </div> </div> </div><div class='photo-details-block margin-bt50px'> <div id='taboola-mid-gallery-thumbnails6'></div> </div><div class="photo-details-block margin-bt50px" id="jsp327791" data-url="/personal-finance/photo-gallery-sipswp-for-retirement-planning-corpus-calculator-inr-rs-10000-monthly-sip-and-inr-2500000-lump-sum-investment-and-then-rs-215000-monthly-income-for-25-years-calculations-327783/future-expenses-327791" > <div class="p-con-block"> <div class="row"> <div class="col-sm-2 col-md-1"> <div class="photo-count"><span>7</span>/11</div> </div> <div class="col-sm-10 col-md-11"> <h3 class="img-tit"> Future expenses </h3> </div> </div> </div> <div class="p-black-bg"><img data-qazy="true" src="https://cdn.zeebiz.com/sites/default/files/2024/11/22/332887-indian-currency-pixabay-take-3.jpg" data-large="https://cdn.zeebiz.com/sites/default/files/2024/11/22/332887-indian-currency-pixabay-take-3.jpg" data-description="Their monthly expenses are Rs 1.25 lakhs today. Assuming 4 per cent inflation, their monthly needs would be Rs 2.70 lakh when they retire at the end of 20 years. However, retirement results in lower monthly outflows due to lower transport cost, lower travel costs, lower EMI payments, etc. This is normally a reduction of around 20-22 per cent, so we assume a reasonable monthly expense of Rs 2.15 lakh; and for simplicity, we will keep this constant post retirement. When they withdraw from the corpus via SWP, the remaining corpus continues to earn returns. Obviously, this will be invested at a more conservative level of 6 per cent returns. Here is the final SWP paybackchart. " data-alt="Future expenses" data-title="Future expenses" title="Future expenses" alt="Future expenses" class="img-responsive margin-auto"></div> <div class="p-con-block"> <div class="row"> <div class="col-sm-8 col-md-10"> <h3><p>Their monthly expenses are Rs 1.25 lakhs today. Assuming 4 per cent inflation, their monthly needs would be Rs 2.70 lakh when they retire at the end of 20 years. However, retirement results in lower monthly outflows due to lower transport cost, lower travel costs, lower EMI payments, etc. This is normally a reduction of around 20-22 per cent, so we assume a reasonable monthly expense of Rs 2.15 lakh; and for simplicity, we will keep this constant post retirement. When they withdraw from the corpus via SWP, the remaining corpus continues to earn returns. Obviously, this will be invested at a more conservative level of 6 per cent returns. Here is the final SWP paybackchart.</p> </h3> </div> <div class="col-sm-4 col-md-2"> <div class="text-right s-white"> <a target="_blank" href="https://www.facebook.com/sharer/sharer.php?u=https://www.zeebiz.com/personal-finance/photo-gallery-sipswp-for-retirement-planning-corpus-calculator-inr-rs-10000-monthly-sip-and-inr-2500000-lump-sum-investment-and-then-rs-215000-monthly-income-for-25-years-calculations-327783/future-expenses-327791" title="Facebook" class="facebook_share"><img src="https://cdn.zeebiz.com/html/images/fs-face-icon.gif" alt="Facebook" title="Facebook"></a> <a target="_blank" href="https://twitter.com/share?url=https://www.zeebiz.com/personal-finance/photo-gallery-sipswp-for-retirement-planning-corpus-calculator-inr-rs-10000-monthly-sip-and-inr-2500000-lump-sum-investment-and-then-rs-215000-monthly-income-for-25-years-calculations-327783/future-expenses-327791&text=Future expenses" title="Twitter" class="twitter_share"><img src="https://cdn.zeebiz.com/sites/all/themes/zeebiz/images/X-13x27.svg" style="width:32px;height:32px;background:white;" alt="Twitter" title="Twitter" class="twitter-new-icon"></a> <a class="hidden-lg" href="whatsapp://send?text=Future+expenses - https://www.zeebiz.com/personal-finance/photo-gallery-sipswp-for-retirement-planning-corpus-calculator-inr-rs-10000-monthly-sip-and-inr-2500000-lump-sum-investment-and-then-rs-215000-monthly-income-for-25-years-calculations-327783/future-expenses-327791" title="Whatsapp" target="_blank"><img src="https://cdn.zeebiz.com/html/images/fs-whatsapp-icon.gif" alt="whatapp" title="whatapp"></a> </div> </div> </div> </div> </div><div class="photo-details-block margin-bt50px" id="jsp327792" data-url="/personal-finance/photo-gallery-sipswp-for-retirement-planning-corpus-calculator-inr-rs-10000-monthly-sip-and-inr-2500000-lump-sum-investment-and-then-rs-215000-monthly-income-for-25-years-calculations-327783/swp-withdrawal-327792" > <div class="p-con-block"> <div class="row"> <div class="col-sm-2 col-md-1"> <div class="photo-count"><span>8</span>/11</div> </div> <div class="col-sm-10 col-md-11"> <h3 class="img-tit"> SWP withdrawal </h3> </div> </div> </div> <div class="p-black-bg"><img data-qazy="true" src="https://cdn.zeebiz.com/sites/default/files/2024/11/22/332888-note-coin-pixabay-take-2.jpg" data-large="https://cdn.zeebiz.com/sites/default/files/2024/11/22/332888-note-coin-pixabay-take-2.jpg" data-description=" Particulars Amount Total retirement corpus available after 20 years ₹3,33,14,306 Monthly Withdrawal required ₹2,15,000 Return on retirement corpus (conservative) 6% Tenure of post-retirement payout 25 years Total amount paid out ₹6,21,35,000 Total amount paid out of returns ₹2,88,20,694 " data-alt="SWP withdrawal" data-title="SWP withdrawal" title="SWP withdrawal" alt="SWP withdrawal" class="img-responsive margin-auto"></div> <div class="p-con-block"> <div class="row"> <div class="col-sm-8 col-md-10"> <h3><table border="1" cellpadding="0" cellspacing="0"> <tbody> <tr> <td style="width:368px;"> <p align="center"><strong>Particulars</strong></p> </td> <td style="width:233px;"> <p align="center"><strong>Amount</strong></p> </td> </tr> <tr> <td style="width:368px;"> <p><strong>Total retirement corpus available after 20 years</strong></p> </td> <td style="width:233px;"> <p align="right"><strong>₹3,33,14,306</strong></p> </td> </tr> <tr> <td style="width:368px;"> <p>Monthly Withdrawal required</p> </td> <td style="width:233px;"> <p align="right">₹2,15,000</p> </td> </tr> <tr> <td style="width:368px;"> <p>Return on retirement corpus (conservative)</p> </td> <td style="width:233px;"> <p align="right">6%</p> </td> </tr> <tr> <td style="width:368px;"> <p>Tenure of post-retirement payout</p> </td> <td style="width:233px;"> <p align="right">25 years</p> </td> </tr> <tr> <td style="width:368px;"> <p>Total amount paid out</p> </td> <td style="width:233px;"> <p align="right"><strong>₹6,21,35,000</strong></p> </td> </tr> <tr> <td style="width:368px;"> <p>Total amount paid out of returns</p> </td> <td style="width:233px;"> <p align="right"><strong>₹2,88,20,694</strong></p> </td> </tr> </tbody> </table> </h3> </div> <div class="col-sm-4 col-md-2"> <div class="text-right s-white"> <a target="_blank" href="https://www.facebook.com/sharer/sharer.php?u=https://www.zeebiz.com/personal-finance/photo-gallery-sipswp-for-retirement-planning-corpus-calculator-inr-rs-10000-monthly-sip-and-inr-2500000-lump-sum-investment-and-then-rs-215000-monthly-income-for-25-years-calculations-327783/swp-withdrawal-327792" title="Facebook" class="facebook_share"><img src="https://cdn.zeebiz.com/html/images/fs-face-icon.gif" alt="Facebook" title="Facebook"></a> <a target="_blank" href="https://twitter.com/share?url=https://www.zeebiz.com/personal-finance/photo-gallery-sipswp-for-retirement-planning-corpus-calculator-inr-rs-10000-monthly-sip-and-inr-2500000-lump-sum-investment-and-then-rs-215000-monthly-income-for-25-years-calculations-327783/swp-withdrawal-327792&text=SWP withdrawal" title="Twitter" class="twitter_share"><img src="https://cdn.zeebiz.com/sites/all/themes/zeebiz/images/X-13x27.svg" style="width:32px;height:32px;background:white;" alt="Twitter" title="Twitter" class="twitter-new-icon"></a> <a class="hidden-lg" href="whatsapp://send?text=SWP+withdrawal - 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" data-alt="SWP corpus" data-title="SWP corpus" title="SWP corpus" alt="SWP corpus" class="img-responsive margin-auto"></div> <div class="p-con-block"> <div class="row"> <div class="col-sm-8 col-md-10"> <h3><p>The above table shows how the amount is defrayed via SWP through which the entire corpus is drawn down by the end of the SWP period.</p> </h3> </div> <div class="col-sm-4 col-md-2"> <div class="text-right s-white"> <a target="_blank" href="https://www.facebook.com/sharer/sharer.php?u=https://www.zeebiz.com/personal-finance/photo-gallery-sipswp-for-retirement-planning-corpus-calculator-inr-rs-10000-monthly-sip-and-inr-2500000-lump-sum-investment-and-then-rs-215000-monthly-income-for-25-years-calculations-327783/swp-corpus-327793" title="Facebook" class="facebook_share"><img src="https://cdn.zeebiz.com/html/images/fs-face-icon.gif" alt="Facebook" title="Facebook"></a> <a target="_blank" 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</div> <div class="photo-details-block margin-bt50px"> <div class="photo-ad"> <div class ="ad-col"> <div id="div-gpt-ad-gallery-327783-8-1"> <script> googletag.cmd.push(function() { googletag.defineSlot( "/11440465/Zeebiz_Web/zeebiz_ptg_as_btf_1_300x250" , [300, 250] , "div-gpt-ad-gallery-327783-8-1" ).addService(googletag.pubads()); googletag.display( "div-gpt-ad-gallery-327783-8-1" ); }); </script> </div> </div> <div class ="ad-col"> <div id="div-gpt-ad-gallery-327783-8-2"> <script> googletag.cmd.push(function() { googletag.defineSlot( "/11440465/Zeebiz_Web/zeebiz_ptg_as_btf_2_300x250" , [300, 250] , "div-gpt-ad-gallery-327783-8-2" ).addService(googletag.pubads()); googletag.display( "div-gpt-ad-gallery-327783-8-2" ); }); </script> </div> </div> </div> </div><div class="photo-details-block margin-bt50px" id="jsp327794" data-url="/personal-finance/photo-gallery-sipswp-for-retirement-planning-corpus-calculator-inr-rs-10000-monthly-sip-and-inr-2500000-lump-sum-investment-and-then-rs-215000-monthly-income-for-25-years-calculations-327783/swp-annual-break-up-327794" > <div class="p-con-block"> <div class="row"> <div class="col-sm-2 col-md-1"> <div class="photo-count"><span>10</span>/11</div> </div> <div class="col-sm-10 col-md-11"> <h3 class="img-tit"> SWP annual break-up </h3> </div> </div> </div> <div class="p-black-bg"><img data-qazy="true" src="https://cdn.zeebiz.com/sites/default/files/2024/11/22/332890-note-unsplash-take-1.jpg" data-large="https://cdn.zeebiz.com/sites/default/files/2024/11/22/332890-note-unsplash-take-1.jpg" data-description=" By end of the year Amount Invested Withdrawn Amount Returns from your investment Resultant Amount 2024 3,33,14,306 25,80,000 19,28,655 3,26,62,961 2025 3,33,14,306 51,60,000 38,18,229 3,19,72,535 2026 3,33,14,306 77,40,000 56,66,377 3,12,40,683 2027 3,33,14,306 1,03,20,000 74,70,615 3,04,64,921 2028 3,33,14,306 1,29,00,000 92,28,306 2,96,42,612 2029 3,33,14,306 1,54,80,000 1,09,36,659 2,87,70,965 2030 3,33,14,306 1,80,60,000 1,25,92,714 2,78,47,020 2031 3,33,14,306 2,06,40,000 1,41,93,331 2,68,67,637 2032 3,33,14,306 2,32,20,000 1,57,35,186 2,58,29,492 2033 3,33,14,306 2,58,00,000 1,72,14,752 2,47,29,058 2034 3,33,14,306 2,83,80,000 1,86,28,292 2,35,62,598 2035 3,33,14,306 3,09,60,000 1,99,71,844 2,23,26,150 2036 3,33,14,306 3,35,40,000 2,12,41,210 2,10,15,516 2037 3,33,14,306 3,61,20,000 2,24,31,937 1,96,26,243 2038 3,33,14,306 3,87,00,000 2,35,39,308 1,81,53,614 2039 3,33,14,306 4,12,80,000 2,45,58,321 1,65,92,627 2040 3,33,14,306 4,38,60,000 2,54,83,675 1,49,37,981 2041 3,33,14,306 4,64,40,000 2,63,09,750 1,31,84,056 2042 3,33,14,306 4,90,20,000 2,70,30,590 1,13,24,896 2043 3,33,14,306 5,16,00,000 2,76,39,880 93,54,186 2044 3,33,14,306 5,41,80,000 2,81,30,928 72,65,234 2045 3,33,14,306 5,67,60,000 2,84,96,638 50,50,944 2046 3,33,14,306 5,93,40,000 2,87,29,492 27,03,798 2047 3,33,14,306 6,19,20,000 2,88,21,516 2,15,822 2048 3,33,14,306 6,21,35,000 2,88,22,669 1,975 " data-alt="SWP annual break-up" data-title="SWP annual break-up" title="SWP annual break-up" alt="SWP annual break-up" class="img-responsive margin-auto"></div> <div class="p-con-block"> <div class="row"> <div class="col-sm-8 col-md-10"> <h3><table border="1" cellpadding="0" cellspacing="0" style="width:100.0%;" width="100%"> <tbody> <tr> <td style="width:12.5%;height:60px;"> <p align="center"><strong>By end of the year</strong></p> </td> <td style="width:21.88%;height:60px;"> <p align="center"><strong>Amount<br /> Invested</strong></p> </td> <td style="width:21.88%;height:60px;"> <p align="center"><strong>Withdrawn Amount</strong></p> </td> <td style="width:21.88%;height:60px;"> <p align="center"><strong>Returns from your investment</strong></p> </td> <td style="width:21.88%;height:60px;"> <p align="center"><strong>Resultant<br /> Amount</strong></p> </td> </tr> <tr> <td style="width:12.5%;height:20px;"> <p align="right">2024</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">3,33,14,306</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">25,80,000</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">19,28,655</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">3,26,62,961</p> </td> </tr> <tr> <td style="width:12.5%;height:20px;"> <p align="right">2025</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">3,33,14,306</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">51,60,000</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">38,18,229</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">3,19,72,535</p> </td> </tr> <tr> <td style="width:12.5%;height:20px;"> <p align="right">2026</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">3,33,14,306</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">77,40,000</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">56,66,377</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">3,12,40,683</p> </td> </tr> <tr> <td style="width:12.5%;height:20px;"> <p align="right">2027</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">3,33,14,306</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">1,03,20,000</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">74,70,615</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">3,04,64,921</p> </td> </tr> <tr> <td style="width:12.5%;height:20px;"> <p align="right">2028</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">3,33,14,306</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">1,29,00,000</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">92,28,306</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">2,96,42,612</p> </td> </tr> <tr> <td style="width:12.5%;height:20px;"> <p align="right">2029</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">3,33,14,306</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">1,54,80,000</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">1,09,36,659</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">2,87,70,965</p> </td> </tr> <tr> <td style="width:12.5%;height:20px;"> <p align="right">2030</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">3,33,14,306</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">1,80,60,000</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">1,25,92,714</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">2,78,47,020</p> </td> </tr> <tr> <td style="width:12.5%;height:20px;"> <p align="right">2031</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">3,33,14,306</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">2,06,40,000</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">1,41,93,331</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">2,68,67,637</p> </td> </tr> <tr> <td style="width:12.5%;height:20px;"> <p align="right">2032</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">3,33,14,306</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">2,32,20,000</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">1,57,35,186</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">2,58,29,492</p> </td> </tr> <tr> <td style="width:12.5%;height:20px;"> <p align="right">2033</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">3,33,14,306</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">2,58,00,000</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">1,72,14,752</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">2,47,29,058</p> </td> </tr> <tr> <td style="width:12.5%;height:20px;"> <p align="right">2034</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">3,33,14,306</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">2,83,80,000</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">1,86,28,292</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">2,35,62,598</p> </td> </tr> <tr> <td style="width:12.5%;height:20px;"> <p align="right">2035</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">3,33,14,306</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">3,09,60,000</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">1,99,71,844</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">2,23,26,150</p> </td> </tr> <tr> <td style="width:12.5%;height:20px;"> <p align="right">2036</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">3,33,14,306</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">3,35,40,000</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">2,12,41,210</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">2,10,15,516</p> </td> </tr> <tr> <td style="width:12.5%;height:20px;"> <p align="right">2037</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">3,33,14,306</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">3,61,20,000</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">2,24,31,937</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">1,96,26,243</p> </td> </tr> <tr> <td style="width:12.5%;height:20px;"> <p align="right">2038</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">3,33,14,306</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">3,87,00,000</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">2,35,39,308</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">1,81,53,614</p> </td> </tr> <tr> <td style="width:12.5%;height:20px;"> <p align="right">2039</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">3,33,14,306</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">4,12,80,000</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">2,45,58,321</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">1,65,92,627</p> </td> </tr> <tr> <td style="width:12.5%;height:20px;"> <p align="right">2040</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">3,33,14,306</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">4,38,60,000</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">2,54,83,675</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">1,49,37,981</p> </td> </tr> <tr> <td style="width:12.5%;height:20px;"> <p align="right">2041</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">3,33,14,306</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">4,64,40,000</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">2,63,09,750</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">1,31,84,056</p> </td> </tr> <tr> <td style="width:12.5%;height:20px;"> <p align="right">2042</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">3,33,14,306</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">4,90,20,000</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">2,70,30,590</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">1,13,24,896</p> </td> </tr> <tr> <td style="width:12.5%;height:20px;"> <p align="right">2043</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">3,33,14,306</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">5,16,00,000</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">2,76,39,880</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">93,54,186</p> </td> </tr> <tr> <td style="width:12.5%;height:20px;"> <p align="right">2044</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">3,33,14,306</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">5,41,80,000</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">2,81,30,928</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">72,65,234</p> </td> </tr> <tr> <td style="width:12.5%;height:20px;"> <p align="right">2045</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">3,33,14,306</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">5,67,60,000</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">2,84,96,638</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">50,50,944</p> </td> </tr> <tr> <td style="width:12.5%;height:20px;"> <p align="right">2046</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">3,33,14,306</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">5,93,40,000</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">2,87,29,492</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">27,03,798</p> </td> </tr> <tr> <td style="width:12.5%;height:20px;"> <p align="right">2047</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">3,33,14,306</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">6,19,20,000</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">2,88,21,516</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">2,15,822</p> </td> </tr> <tr> <td style="width:12.5%;height:20px;"> <p align="right">2048</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">3,33,14,306</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">6,21,35,000</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">2,88,22,669</p> </td> <td style="width:21.88%;height:20px;"> <p align="right">1,975</p> </td> </tr> </tbody> </table> </h3> </div> <div class="col-sm-4 col-md-2"> <div class="text-right s-white"> <a target="_blank" href="https://www.facebook.com/sharer/sharer.php?u=https://www.zeebiz.com/personal-finance/photo-gallery-sipswp-for-retirement-planning-corpus-calculator-inr-rs-10000-monthly-sip-and-inr-2500000-lump-sum-investment-and-then-rs-215000-monthly-income-for-25-years-calculations-327783/swp-annual-break-up-327794" title="Facebook" class="facebook_share"><img src="https://cdn.zeebiz.com/html/images/fs-face-icon.gif" alt="Facebook" title="Facebook"></a> <a target="_blank" href="https://twitter.com/share?url=https://www.zeebiz.com/personal-finance/photo-gallery-sipswp-for-retirement-planning-corpus-calculator-inr-rs-10000-monthly-sip-and-inr-2500000-lump-sum-investment-and-then-rs-215000-monthly-income-for-25-years-calculations-327783/swp-annual-break-up-327794&text=SWP annual break-up" title="Twitter" class="twitter_share"><img 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class="p-con-block"> <div class="row"> <div class="col-sm-2 col-md-1"> <div class="photo-count"><span>11</span>/11</div> </div> <div class="col-sm-10 col-md-11"> <h3 class="img-tit"> Conclusion </h3> </div> </div> </div> <div class="p-black-bg"><img data-qazy="true" src="https://cdn.zeebiz.com/sites/default/files/2024/11/22/332892-rupee-unsplash-take-4.jpg" data-large="https://cdn.zeebiz.com/sites/default/files/2024/11/22/332892-rupee-unsplash-take-4.jpg" data-description="Nehal says, "The above table shows how the amount is defrayed via SWP through which the entire corpus is drawn down by the end of the SWP period. "Once this payout is done over a period of 25 years, the corpus is almost entirely drawn down. What is important here is that SWP withdrawal each month is predictable and has a return and principal component. Here, only the return portion is taxed and not the principal portion. That makes it more tax efficient for the retiree!" " data-alt="Conclusion" data-title="Conclusion" title="Conclusion" alt="Conclusion" class="img-responsive margin-auto"></div> <div class="p-con-block"> <div class="row"> <div class="col-sm-8 col-md-10"> <h3><p>Nehal says, "The above table shows how the amount is defrayed via SWP through which the entire corpus is drawn down by the end of the SWP period.</p> <p>"Once this payout is done over a period of 25 years, the corpus is almost entirely drawn down. What is important here is that SWP withdrawal each month is predictable and has a return and principal component. Here, only the return portion is taxed and not the principal portion. That makes it more tax efficient for the retiree!"</p> </h3> </div> <div class="col-sm-4 col-md-2"> <div class="text-right s-white"> <a target="_blank" href="https://www.facebook.com/sharer/sharer.php?u=https://www.zeebiz.com/personal-finance/photo-gallery-sipswp-for-retirement-planning-corpus-calculator-inr-rs-10000-monthly-sip-and-inr-2500000-lump-sum-investment-and-then-rs-215000-monthly-income-for-25-years-calculations-327783/conclusion-327795" title="Facebook" class="facebook_share"><img src="https://cdn.zeebiz.com/html/images/fs-face-icon.gif" alt="Facebook" title="Facebook"></a> <a target="_blank" href="https://twitter.com/share?url=https://www.zeebiz.com/personal-finance/photo-gallery-sipswp-for-retirement-planning-corpus-calculator-inr-rs-10000-monthly-sip-and-inr-2500000-lump-sum-investment-and-then-rs-215000-monthly-income-for-25-years-calculations-327783/conclusion-327795&text=Conclusion" title="Twitter" class="twitter_share"><img src="https://cdn.zeebiz.com/sites/all/themes/zeebiz/images/X-13x27.svg" style="width:32px;height:32px;background:white;" alt="Twitter" title="Twitter" class="twitter-new-icon"></a> <a class="hidden-lg" href="whatsapp://send?text=Conclusion - https://www.zeebiz.com/personal-finance/photo-gallery-sipswp-for-retirement-planning-corpus-calculator-inr-rs-10000-monthly-sip-and-inr-2500000-lump-sum-investment-and-then-rs-215000-monthly-income-for-25-years-calculations-327783/conclusion-327795" title="Whatsapp" target="_blank"><img src="https://cdn.zeebiz.com/html/images/fs-whatsapp-icon.gif" alt="whatapp" title="whatapp"></a> </div> </div> </div> </div> </div> </div> </div>  <div class="clearfix"></div> <div class="next-story-block2 margin-bt50px"><div class="view view-zbiz-article-prev-next view-id-zbiz_article_prev_next view-display-id-block_5 view-dom-id-c63ddfe23eb8276bcfa911307eb427db"> <div class="view-content"> <div class="clearfix"> <a href="/markets/commodities/photo-gallery-gold-price-rise-amid-escalating-geopolitical-tensions-ukraine-russia-dollar-index-us-treasury-yield-22k-24k-gold-silver-rate-327774" title="Gold prices shine bright; climb Rs 3,300 per 10 gm in 5 sessions; will the rally sustain?" id="327774"> <div class="next-story-padd"> <div class="ver-m s-border"> <span class="next-story-heading">Next<br>Gallery</span> </div> <div class="ver-m"> <h3 class="next-story-content">Gold prices shine bright; climb Rs 3,300 per 10 gm in 5 sessions; will the rally sustain?</h3> </div> </div> </a> <a href="/markets/commodities/photo-gallery-gold-price-rise-amid-escalating-geopolitical-tensions-ukraine-russia-dollar-index-us-treasury-yield-22k-24k-gold-silver-rate-327774" title="Gold prices shine bright; climb Rs 3,300 per 10 gm in 5 sessions; will the rally sustain?" id="327774" head="Next Gallery"></a> </div> </div> </div></div> <div class="clearfix"></div> <div id="taboola-below-gallery-thumbnails"></div> </div>  </div> </div> </div> </div> <div id="rightcontent"> <div class="col-lg-3 col-md-3 col-sm-12 col-xs-12 padding-left"> <div class="padding-right"> <aside> <div class="mrgntp-40px marlft-6px" style="margin-bottom:20px;">  <div id='div-gpt-ad-1456225219876-2' style='width:300px;'> <script type='text/javascript'> googletag.cmd.push(function() { googletag.display('div-gpt-ad-1456225219876-2'); }); </script> </div> </div> <div class="clearfix mrgntp-40px marlft-6px"> <a href="/personal-finance/income-tax-calculator"><img border=0 src="https://cdn.zeebiz.com/html/images/banner_income_tax_calculator.png" ></a> </div> <div class="clearfix"></div> <div class="marlft-6px clearfix mrgntp-40px">  <div id='div-gpt-ad-1456225219876-3' style='width:300px;'> <script type='text/javascript'> googletag.cmd.push(function() { googletag.display('div-gpt-ad-1456225219876-3'); }); </script> </div> </div> <div class="clearfix"></div> <div style="clear: both" class="mrgntp-40px"></div> <div class="block other-story-block"> <h2 class="other-story">Most Popular</h2> <div class="group group-1 ">  <div class="right-photo-list"> <a href="/personal-finance/photo-gallery-epfo-interest-rate-retirement-corpus-calculator-employee-25-years-of-age-inr-rs-20000-monthly-basic-salary-and-dearness-allowance-da-what-will-be-fund-eps-pension-withdrawal-rules-tax-benefits-328344"> <div class="pos-relative"> <img data-qazy="true" class="img-responsive" typeof="foaf:Image" src="https://cdn.zeebiz.com/sites/default/files/styles/zeebiz_700x394/public/2024/11/25/333437-currency-500-pixabay-new.jpg?itok=40OFwddZ" alt="EPF Retirement Corpus Calculation: Are you 25-year-old with Rs 20,000 monthly basic pay? 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Know here</h4> </div> </a> </div>  </div> </div> <div class="clearfix"></div> <div class="marlft-6px clearfix mrgntp-40px">   <div id='div-gpt-ad-1456225219876-1' style='width:300px;'> <script type='text/javascript'> googletag.cmd.push(function() { googletag.display('div-gpt-ad-1456225219876-1'); }); </script> </div> </div> <div class="clearfix"></div> <p> </p> </aside> </div> <div class="clearfix"></div> </div>  </div> </div> </div> </div> </div> </div> <style> .next-story-block2{display:none !important;} </style> <script type="application/ld+json"> { "@context": "http://schema.org/", "@type": "ImageGallery", "name":"SIP+SWP: Rs 10,000 monthly SIP for 20 years, Rs 25 lakh lump sum investment, then Rs 2.15 lakh monthly income for 25 years; see expert calculations", "description":"SIP+SWP For Retirement Corpus: The combination of systematic investment plan (SIP) and systematic withdrawal plan (SWP) can be used for effective retirement planning. 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