DHANAYOGA FD vs Mutual Fund - Systematic Withdrawal Plan (SWP) - Illustration
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MONTHLY INCOME GENERATION - FIXED DEPOSITS (FD) vs. MUTUAL FUNDS SYSTEMATIC WITHDRAWAL PLAN (SWP) - A COMPARISON
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Investment (Rs.) >>₹5,000,000Invested On >>01-Dec-2014FD Interest % p.a >>9.25%MF Return % >>9.25%MF Units Allotted >>500000
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DateFD Interest p.mTax DeductedNet InterestMF NAVSWP Withdrawal p.m (Rs.)Units RedeemedBalance UnitsCapital Gains (Rs.)Total Capital GainTax Paid on Capital gain
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Dec 2014000100500000
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Jan 2015₹38,5423854₹34,68810.08₹38,5423824.685496175₹294.82
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Feb 2015₹38,5423854₹34,68810.15₹38,5423795.428492380₹587.38
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Mar 2015₹38,5423854₹34,68810.23₹38,5423766.396488613₹877.71
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Apr 2015₹38,5423854₹34,68810.31₹38,5423737.585484876₹1,165.82
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May 2015₹38,5423854₹34,68810.39₹38,5423708.995481167₹1,451.72
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Jun 2015₹38,5423854₹34,68810.47₹38,5423680.623477486₹1,735.43₹22,363.103354.47
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Jul 2015₹38,5423854₹34,68810.55₹38,5423652.469473834₹2,016.98(For Year 1
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Aug 2015₹38,5423854₹34,68810.63₹38,5423624.530470209₹2,296.37Short Term
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Sep 2015₹38,5423854₹34,68810.72₹38,5423596.805466612₹2,573.62Capital Gain
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Oct 2015₹38,5423854₹34,68810.80₹38,5423569.291463043₹2,848.75Tax @15%
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Nov 2015₹38,5423854₹34,68810.88₹38,5423541.988459501₹3,121.78Applies)
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Dec 2015₹38,5423854₹34,68810.97₹38,5423514.894455986₹3,392.72
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Jan 2016₹38,5423854₹34,68811.05₹38,5423488.008452498₹3,661.59
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Feb 2016₹38,5423854₹34,68811.13₹38,5423461.327449037₹3,928.40
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Mar 2016₹38,5423854₹34,68811.22₹38,5423434.850445602₹4,193.17
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Apr 2016₹38,5423854₹34,68811.31₹38,5423408.575442194₹4,455.91
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May 2016₹38,5423854₹34,68811.39₹38,5423382.502438811₹4,716.65
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Jun 2016₹38,5423854₹34,68811.48₹38,5423356.628435454₹4,975.39₹61,107.200.00
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Jul 2016₹38,5423854₹34,68811.57₹38,5423330.952432123₹5,232.15(After Year 1
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Aug 2016₹38,5423854₹34,68811.66₹38,5423305.472428818₹5,486.95Long Term
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Sep 2016₹38,5423854₹34,68811.75₹38,5423280.187425538₹5,739.79Capital Gain
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Oct 2016₹38,5423854₹34,68811.84₹38,5423255.096422283₹5,990.71tax @10%
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Nov 2016₹38,5423854₹34,68811.93₹38,5423230.196419053₹6,239.70above Rs 1L
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Dec 2016₹38,5423854₹34,68812.02₹38,5423205.488415847₹6,486.79applies)
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Jan 2017₹38,5423854₹34,68812.12₹38,5423180.968412666₹6,731.99
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Feb 2017₹38,5423854₹34,68812.21₹38,5423156.635409509₹6,975.31
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Mar 2017₹38,5423854₹34,68812.30₹38,5423132.489406377₹7,216.78
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Apr 2017₹38,5423854₹34,68812.40₹38,5423108.527403268₹7,456.39
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May 2017₹38,5423854₹34,68812.49₹38,5423084.749400184₹7,694.18
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Jun 2017₹38,5423854₹34,68812.59₹38,5423061.153397123₹7,930.14₹96,440.760.00
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Jul 2017₹38,5423854₹34,68812.69₹38,5423037.737394085₹8,164.30
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Aug 2017₹38,5423854₹34,68812.79₹38,5423014.500391070₹8,396.67
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Sep 2017₹38,5423854₹34,68812.88₹38,5422991.441388079₹8,627.26
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Oct 2017₹38,5423854₹34,68812.98₹38,5422968.558385110₹8,856.08
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Nov 2017₹38,5423854₹34,68813.08₹38,5422945.851382164₹9,083.16
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Dec 2017₹38,5423854₹34,68813.18₹38,5422923.317379241₹9,308.50
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Total (3 yrs)
₹1,387,500₹138,750₹1,248,750₹1,387,500₹3,354
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Realized ReturnFD Net Returns8.33%Principal Balance (FD)₹5,000,000MF SWP Returns9.23%
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Tax Paid As % of ReturnsFD Tax Paid10.00%Principal Balance (MF)₹5,000,000MF SWP Tax Paid0.24%
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Benefits of investing in MUTUAL FUND with SYSTEMATIC WITHDRAWAL PLAN (SWP) vs. FIXED DEPOSIT (FD) INTEREST PAYMENT
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Mutual fund delivers EXTRA Return of
0.90%p.a
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Mutual Fund REDUCES Taxes by
9.76%every year
An Investor Education Initiative
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Mutual Fund GROWS the PRINCIPAL by
0.00%
end of tenure (assumes MF return is entirely withdrawn)
DHANAYOGA
www.dhanayo.ga
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