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Early Retirement with SWP – Illustration Only

In this Short:

Phase 1 (Wealth building with SIP)

SIP amount: ₹5,000 per month

Tenure: 20 years

Assumed return: 14% per year

Total investment: ₹12 lakh

Illustrative corpus after 20 years: about ₹58 lakh.

Phase 2 (Income with SWP)

After 20 years, you start a Systematic Withdrawal Plan (SWP) from that corpus.

Monthly withdrawal: ₹40,000

SWP tenure: 30 years

Assumed return during SWP: 12% per year

Over 30 years, the example shows total withdrawals of about ₹1.44 crore, while the remaining corpus after 30 years is around ₹5.16 crore, demonstrating how compounding can keep working even while you withdraw regularly.
​

The idea is to show how combining a disciplined SIP phase with a well‑planned SWP phase could support early retirement, but actual outcomes will depend on real market returns, asset allocation, inflation and your withdrawal discipline.

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Disclaimer:
The views and information shared in this video are for educational and informational purposes only and do not constitute financial advice. I am not a SEBI-registered financial advisor. Please consult a qualified professional before making any investment decisions. Investments in mutual funds and financial markets are subject to risks. Past performance does not guarantee future results.

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