Your plan
₹
₹
% a year
Money you are living on is usually invested more safely, so assume less than for a long-term SIP.%
To keep up with prices. Set to 0 for a fixed withdrawal.years
Your money lasts
0 years
Withdrawn in the first year0%
Monthly withdrawal you can sustain for years₹0
Total withdrawn over years₹0
Left after years₹0
Year by year
What you draw each month and what remains at the end of each year, at a steady return.
If returns come in lower
What a steady return hides
- The order of returns mattersA market fall in the first few years, while you are withdrawing, does far more damage than the same fall later. Two retirees with the same average return can end up in very different places.
- Keep a buffer in safe assetsHolding three to five years of withdrawals in debt lets you leave equity alone during a fall.
- Withdraw from the right placeWhich fund you draw from each year changes both the tax and how long the money lasts.
- Review every yearTrim the withdrawal after a bad year, and the plan becomes far more robust.