DHANAYOGA FD vs Mutual Fund - Systematic Withdrawal Plan (SWP) - Illustration
 Share
The version of the browser you are using is no longer supported. Please upgrade to a supported browser.Dismiss

 
$
%
123
 
 
 
 
 
 
 
 
 
ABCDEFGHIJKLMNOPQRSTUVWXY
1
MONTHLY INCOME GENERATION - FIXED DEPOSITS (FD) vs. MUTUAL FUNDS SYSTEMATIC WITHDRAWAL PLAN (SWP) - A COMPARISON
2
Investment (Rs.) >>₹5,000,000Invested On >>01-Dec-2014FD Interest % p.a >>9.25%MF Return % >>9.25%MF Units Allotted >>500000
3
DateFD Interest p.mTax DeductedNet InterestMF NAVSWP Withdrawal p.m (Rs.)Units RedeemedBalance UnitsCapital Gains (Rs.)Total Capital GainTax Paid on Capital gain
4
Dec 2014000100500000
5
Jan 2015₹38,5423854₹34,68810.08₹38,5423824.685496175₹294.82
6
Feb 2015₹38,5423854₹34,68810.15₹38,5423795.428492380₹587.38
7
Mar 2015₹38,5423854₹34,68810.23₹38,5423766.396488613₹877.71
8
Apr 2015₹38,5423854₹34,68810.31₹38,5423737.585484876₹1,165.82
9
May 2015₹38,5423854₹34,68810.39₹38,5423708.995481167₹1,451.72
10
Jun 2015₹38,5423854₹34,68810.47₹38,5423680.623477486₹1,735.43₹22,363.103354.47
11
Jul 2015₹38,5423854₹34,68810.55₹38,5423652.469473834₹2,016.98
12
Aug 2015₹38,5423854₹34,68810.63₹38,5423624.530470209₹2,296.37
13
Sep 2015₹38,5423854₹34,68810.72₹38,5423596.805466612₹2,573.62
14
Oct 2015₹38,5423854₹34,68810.80₹38,5423569.291463043₹2,848.75
15
Nov 2015₹38,5423854₹34,68810.88₹38,5423541.988459501₹3,121.78
16
Dec 2015₹38,5423854₹34,68810.97₹38,5423514.894455986₹3,392.72
17
Jan 2016₹38,5423854₹34,68811.05₹38,5423488.008452498₹3,661.59
18
Feb 2016₹38,5423854₹34,68811.13₹38,5423461.327449037₹3,928.40
19
Mar 2016₹38,5423854₹34,68811.22₹38,5423434.850445602₹4,193.17
20
Apr 2016₹38,5423854₹34,68811.31₹38,5423408.575442194₹4,455.91
21
May 2016₹38,5423854₹34,68811.39₹38,5423382.502438811₹4,716.65
22
Jun 2016₹38,5423854₹34,68811.48₹38,5423356.628435454₹4,975.39₹61,107.200.00
23
Jul 2016₹38,5423854₹34,68811.57₹38,5423330.952432123₹5,232.15
24
Aug 2016₹38,5423854₹34,68811.66₹38,5423305.472428818₹5,486.95
25
Sep 2016₹38,5423854₹34,68811.75₹38,5423280.187425538₹5,739.79
26
Oct 2016₹38,5423854₹34,68811.84₹38,5423255.096422283₹5,990.71
27
Nov 2016₹38,5423854₹34,68811.93₹38,5423230.196419053₹6,239.70
28
Dec 2016₹38,5423854₹34,68812.02₹38,5423205.488415847₹6,486.79
29
Jan 2017₹38,5423854₹34,68812.12₹38,5423180.968412666₹6,731.99
30
Feb 2017₹38,5423854₹34,68812.21₹38,5423156.635409509₹6,975.31
31
Mar 2017₹38,5423854₹34,68812.30₹38,5423132.489406377₹7,216.78
32
Apr 2017₹38,5423854₹34,68812.40₹38,5423108.527403268₹7,456.39
33
May 2017₹38,5423854₹34,68812.49₹38,5423084.749400184₹7,694.18
34
Jun 2017₹38,5423854₹34,68812.59₹38,5423061.153397123₹7,930.14₹96,440.760.00
35
Jul 2017₹38,5423854₹34,68812.69₹38,5423037.737394085₹8,164.30
36
Aug 2017₹38,5423854₹34,68812.79₹38,5423014.500391070₹8,396.67
37
Sep 2017₹38,5423854₹34,68812.88₹38,5422991.441388079₹8,627.26
38
Oct 2017₹38,5423854₹34,68812.98₹38,5422968.558385110₹8,856.08
39
Nov 2017₹38,5423854₹34,68813.08₹38,5422945.851382164₹9,083.16
40
Dec 2017₹38,5423854₹34,68813.18₹38,5422923.317379241₹9,308.50
41
Total (3 yrs)
₹1,387,500₹138,750₹1,248,750₹1,387,500₹3,354
42
Realized ReturnFD Net Returns8.33%Principal Balance (FD)₹5,000,000MF SWP Returns9.23%
43
Tax Paid As % of ReturnsFD Tax Paid10.00%Principal Balance (MF)₹5,000,000MF SWP Tax Paid0.24%
44
Benefits of investing in MUTUAL FUND with SYSTEMATIC WITHDRAWAL PLAN (SWP) vs. FIXED DEPOSIT (FD) INTEREST PAYMENT
45
Mutual fund delivers EXTRA Return of
0.90%p.a
46
Mutual Fund REDUCES Taxes by
9.76%every year
An Investor Education Initiative
47
Mutual Fund GROWS the PRINCIPAL by
0.00%end of tenure
DHANAYOGA
www.dhanayo.ga
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
Loading...
Main menu