SWP क्या है ?Mutual Fund SWP-How It Works?

SWP क्या है ?Mutual Fund SWP-How It Works:

Systematick withdrawl plan(SWP)mutual fund dara kee jaane vaalee ek seva hai jo niveshakon ko porvo-nirdhaarit samay antaraal par maasik, trimaasik, ardh-vaarshik ya saalaana ke hisab se pay out  pradaan karatee hai.
                            swp reverse yaani opposite hota hain sip kee.sip par ek nishchit raashi nishchit antaraal par apanee pasand kee mutual fund  mein nivesh karte hain.jisase ek badee raashi jama karna sambhav hota hai.lakin swp por ek badi rashi  nivesh kor deta hain jisme se systematically ek  time period ke anteral por ek nischit rashi nikelte  rahate hain.swp ke dara regular income bana sakte hain jo inflation rate ko beat korke kharcha(expansion)chalane main madat kor sakta hain.
swp ap debt,equity and hybrid fund se kor sakte hain aur nischit antaral (time period) masik(monthly),trimasik(3month)
ardhavaarshik( half yearly) ,vaarshik(Yearly) hote hain.
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Example-example ke lia man lijia ke   ap retiered ho raho ho aur apke pas 1crore rs hain.ap us 1 crore rs  1 year ke lia sbi mutual fund ki sbi equity saving fund  main swp investment kor dia.is condition  mai ke ap har mahine 10 tarikh ko 3000 rs apne kharcha ke lia withdraw korenge.niche posted screenshot ko achhi tarike ke samje.

Types of swp:systematic withdrawl plan mainly 2 types ke hote hain. 1.Fixed Amount 
                                  2.Capital Appreciation
1.Fixed Amount:fixed amount swp pe apne ek nischit rashi (fixed)nischit antaral por apne mutual fund se nikalte rehete hain.chahe apki mutual fund ke return jo bhi ho.iski exapmle ke sorup upor main jo table main jo bataya usko dekhle.
2.Capital Appreciation:capital appreciation main apne mutual fund apne mul nivesh rashi por jitna return kamata hain utne return apki bank account main credit hote rahate hain.

S W P के उपयोग[use of swp]:ab dekhte hain swp ke upayog-swp ke sob se bada upayog
  • Retirement ke din-o main apna kharcha chalana.systematically ap ek nischit rashi har mahine  withdraw korke apna khracha chala sakte hain retirement ke bad bhi.
  • agar ap kisi karan ke lia kahi lambhi chutti ke ke bahar ja rahe ho aur apke pas agr ek lumpsum amount hain to us wakt ap swp investment ke upayog korke apna ghar ka khrcha chala sakte hain.
  • tisri jo upayog hain- professional ya fir business korne bale ke lia mahine ke income regular nahi hoti.inhe income lumpsum amount main milte rahate hain.to us lumpsum amount ko invest kor sakte hain aur systematic withdrawl plan ke upayog korke apke mahine ki kharcha chala sakte hain.

Benefits Of SWP[S W P के फायदे]:swp ke kahi sare benefits hain .usme se ..

  1. swp इनकम का रेगुलर स्रोत(Regular stream of income) pradan korte hain.bina sare investment amount ko na nikale jitni jorurat utni amount ko ikal sakte hain,aur baki amonut invest rehenge isme apki khracha chalane ke sath sath achha return bhi milega.
  2. swp main jadator balance fund main investment hoti hain.iske lia achha return bhi milti hain.
  3. ap sip main jaise  बाजार की सारे स्तर(level) पर इन्वेस्ट करते हैं aur apki investment ko ek avarage price milti hain.thik use tara swp main ap बाजार की सारे स्तर से money ko nikal te  hain.iski bajase apki overall withdrawl ek avarage price por hota hain.

S W P से जुड़ी कुछ जरूरी बातें:

  1. ap ek fund main eksath sip aur swp nahi kor sakte .
  2. har withdrawl ka tax treatment normal withdrawl ki tara hoga.agar ap equity aur  equity linked hybrid fund main swp korna chate hain to bahetor hoga ap withdraw ki ek saal pahale invest kore .isme apka tax ka chut mil jayega..aur debt fund main invest ke lia 3 saal ke bad ap jo withdraw korenge usme ap indextaion ke lav le payenge.

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कितना टैक्स देना पड़ता है Mutual Funds बेचने पर?

  1. 3 .swp main apka big amount invest hote hain islia.apko regular fund ka performance monitor korna chahiye.         

  1. 4.agr ap 6 mahine ke lia swp korna chate ho to ap liquid fund  main invest kijia, 1 year ke lia ultra short term fund  aur 3 sal ke lia short term fund main invest korna behetror rahega.  q ki 3 saal se kom  time period ke lia equity fund  main invest korna jada risky hota hain karan quity fund short time volatile hota hain.
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