There are various investment opportunities in the stock market not only for getting rich, but also for regular monthly income. Just as SIP helps you save a large amount for the future by investing every month, SWP (Systematic Withdrawal Plan) gives you a fixed income every month by investing a large amount once.

SWP is basically an investment system where you deposit a large amount at a time, and from there you can withdraw a certain amount every month. The biggest advantage is that your capital does not decrease very quickly, because the return received from the market largely covers the loss of capital.

How to get 50,000 rupees per month?

If your monthly requirement is 50,000 rupees and you want the main investment not to decrease, then SWP can be the ideal plan. In this case, some factors depend. For example, what percentage return do you get on average in mutual funds, how much money do you need in a year, or how many years will you run the SWP.

Let’s say you get an average return of 8% per year and your annual requirement is 6 lakh rupees.

So the calculation says that to maintain this income at an 8% return, you will need to invest ₹75-80 lakh.

If the average return is 10%, you need ₹60-65 lakh.

And if the return is 12%, then ₹50-55 lakh is enough.

How many SIPs will it take to deposit 80 lakhs?

  • Those who do not have such a large amount in hand right now can reach this goal gradually by doing SIPs.
  • If you do 17 thousand-18 thousand SIPs per month at 12% return, you will accumulate 80 lakhs in 15 years.
  • If you do 9 thousand to 10 thousand SIPs per month at 12% return, you will accumulate 80 lakhs in 20 years.
  • That is, if you have time and regular investment, it is possible to create the necessary funds for SWP.

Special Warning

Before investing money in the stock market or mutual funds, it is essential to take the advice of your financial advisor. Market fluctuations can affect any plan.