Plan a perfect retirement by understanding how to withdraw optimally from your corpus. Watch this episode of Investors’ Hangout.
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Here are the key takeaways:
SWPs enable you to withdraw your investments gradually, which can safeguard your capital during market downturns by spreading out the impact of market fluctuations.
An SWP is a good choice for retirees. It offers the flexibility to decide how much you want to withdraw, and the money is conveniently deposited directly into your bank account.
When planning your SWP, consider factors like your corpus size, income needs, and dependency on the SWP for daily expenses.
If the annual withdrawal falls within the 46% range, a conservative approach is to allocate onethird of your investments to equities.
If you don't rely on SWP for your primary income, you can consider a higher equity allocation, say 75%.
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Chapters:
00:00 Introduction
00:35 What is an SWP?
03:57 What is the ideal equity allocation for an SWP?
09:23 What are the tax implications of an SWP in mutual funds?
11:15 SWP vs Annuity Which is better?
12:54 Key Takeaways
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