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SWP with Annual Increase - SBI Focused Equity Reg Gr

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Systematic Withdrawal Plan Calculator

Scheme AMC Name Withdrawal Period No of Monthly Installments Total Withdrawal Amount Current Value as on Return (%) as on
SBI Focused Equity Reg Gr | Invest Online SBIMF 20-07-2012 to 30-11-2022 125 204,218 67,588 17.41

SBI Focused Equity Reg Gr

Nav Date Nav Units Cumulative Units Cash Flow Net Amount Capital Gain/Loss No. of Days
(Invested)
Current Value
20-07-2012 48.36 2,067.8246 2,067.8246 100,000 100,000 0.00 0 100,000
20-07-2012 48.36 20.6782 2,047.1464 -1,000 99,000 0.00 0 99,000
21-08-2012 49.96 20.016 2,027.1304 -1,000 98,000 32.03 32 101,275
20-09-2012 51.45 19.4363 2,007.694 -1,000 97,000 60.06 62 103,296
22-10-2012 53.83 18.577 1,989.117 -1,000 96,000 101.62 94 107,074
20-11-2012 55.72 17.9469 1,971.1702 -1,000 95,000 132.09 123 109,834
20-12-2012 59.16 16.9033 1,954.2669 -1,000 94,000 182.56 153 115,614
21-01-2013 60.68 16.4799 1,937.787 -1,000 93,000 203.03 185 117,585
20-02-2013 58.80 17.0056 1,920.7813 -1,000 92,000 177.61 215 112,950
20-03-2013 54.37 18.3924 1,902.3889 -1,000 91,000 110.54 243 103,433
22-04-2013 54.99 18.1849 1,884.204 -1,000 90,000 120.58 276 103,614
20-05-2013 58.32 17.1454 1,867.0586 -1,000 89,000 170.85 304 108,896
20-06-2013 53.21 18.794 1,848.2646 -1,000 88,000 91.12 335 98,343
22-07-2013 53.00 20.7555 1,827.5091 -1,100 86,900 96.26 367 96,854
20-08-2013 48.24 22.803 1,804.706 -1,100 85,800 -2.75 396 87,058
20-09-2013 50.06 21.9726 1,782.7335 -1,100 84,700 37.41 427 89,248
21-10-2013 51.37 21.4144 1,761.3191 -1,100 83,600 64.40 458 90,474
20-11-2013 53.04 20.7387 1,740.5803 -1,100 82,500 97.08 488 92,322
20-12-2013 54.84 20.0572 1,720.5231 -1,100 81,400 130.03 518 94,359
20-01-2014 56.00 19.6425 1,700.8806 -1,100 80,300 150.09 549 95,251
20-02-2014 54.27 20.2691 1,680.6115 -1,100 79,200 119.79 580 91,206
20-03-2014 57.19 19.2328 1,661.3787 -1,100 78,100 169.90 608 95,021
21-04-2014 60.92 18.0565 1,643.3222 -1,100 77,000 226.79 640 100,111
20-05-2014 64.41 17.0783 1,626.2439 -1,100 75,900 274.09 669 104,745
20-06-2014 70.37 15.632 1,610.6119 -1,100 74,800 344.04 700 113,337
21-07-2014 76.64 15.7891 1,594.8229 -1,210 73,590 446.44 731 122,220
20-08-2014 77.72 15.5697 1,579.2531 -1,210 72,380 457.05 761 122,732
22-09-2014 82.76 14.6203 1,564.6329 -1,210 71,170 502.96 794 129,492
20-10-2014 79.94 15.137 1,549.4959 -1,210 69,960 477.98 822 123,862
20-11-2014 85.83 14.0984 1,535.3975 -1,210 68,750 528.20 853 131,776
22-12-2014 86.79 13.942 1,521.4555 -1,210 67,540 535.77 885 132,044
20-01-2015 92.55 13.0742 1,508.3813 -1,210 66,330 577.73 914 139,599
20-02-2015 93.88 12.8884 1,495.4929 -1,210 65,120 586.72 945 140,401
20-03-2015 91.48 13.2274 1,482.2656 -1,210 63,910 570.33 973 135,593
20-04-2015 91.45 13.2312 1,469.0343 -1,210 62,700 570.14 1,004 134,343
20-05-2015 89.88 13.4624 1,455.5719 -1,210 61,490 558.96 1,034 130,827
22-06-2015 87.84 13.7745 1,441.7974 -1,210 60,280 543.87 1,067 126,653
20-07-2015 92.15 14.4436 1,427.3538 -1,331 58,949 632.51 1,095 131,533
20-08-2015 94.69 14.0568 1,413.2971 -1,331 57,618 651.22 1,126 133,822
21-09-2015 90.17 14.7613 1,398.5358 -1,331 56,287 617.15 1,158 126,104
20-10-2015 93.37 14.2546 1,384.2812 -1,331 54,956 641.65 1,187 129,255
20-11-2015 91.76 14.5059 1,369.7754 -1,331 53,625 629.50 1,218 125,685
21-12-2015 91.09 14.6113 1,355.1641 -1,331 52,294 624.40 1,249 123,447
20-01-2016 85.32 15.6004 1,339.5637 -1,331 50,963 576.56 1,279 114,289
22-02-2016 84.93 15.6719 1,323.8918 -1,331 49,632 573.11 1,312 112,437
21-03-2016 89.51 14.87 1,309.0218 -1,331 48,301 611.89 1,340 117,169
20-04-2016 94.38 14.1029 1,294.9188 -1,331 46,970 648.98 1,370 122,211
20-05-2016 93.44 14.2451 1,280.6738 -1,331 45,639 642.11 1,400 119,661
20-06-2016 95.76 13.8992 1,266.7746 -1,331 44,308 658.84 1,431 121,308
20-07-2016 101.03 14.492 1,252.2826 -1,464 42,844 763.27 1,461 126,516
22-08-2016 103.81 14.1037 1,238.179 -1,464 41,380 782.05 1,494 128,535
20-09-2016 105.95 13.8182 1,224.3608 -1,464 39,916 795.85 1,523 129,727
20-10-2016 105.80 13.8385 1,210.5223 -1,464 38,452 794.87 1,553 128,072
21-11-2016 97.04 15.0876 1,195.4347 -1,464 36,988 734.46 1,585 116,005
20-12-2016 97.22 15.0592 1,180.3755 -1,464 35,523 735.84 1,614 114,760
20-01-2017 98.11 14.9236 1,165.4519 -1,464 34,059 742.39 1,645 114,338
20-02-2017 103.29 14.1751 1,151.2768 -1,464 32,595 778.59 1,676 118,912
20-03-2017 105.36 13.8961 1,137.3807 -1,464 31,131 792.09 1,704 119,835
20-04-2017 109.23 13.404 1,123.9766 -1,464 29,667 815.88 1,735 122,770
22-05-2017 108.84 13.4521 1,110.5245 -1,464 28,203 813.55 1,767 120,867
20-06-2017 114.38 12.8 1,097.7245 -1,464 26,739 845.09 1,796 125,560
20-07-2017 118.04 13.6441 1,084.0804 -1,611 25,128 950.68 1,826 127,962
21-08-2017 114.76 14.034 1,070.0464 -1,611 23,518 931.83 1,858 122,796
20-09-2017 123.38 13.0536 1,056.9928 -1,611 21,907 979.24 1,888 130,408
23-10-2017 122.20 13.1788 1,043.814 -1,611 20,297 973.19 1,921 127,559
20-11-2017 128.73 12.5109 1,031.3031 -1,611 18,686 1,005.48 1,949 132,758
20-12-2017 135.71 11.8669 1,019.4362 -1,611 17,076 1,036.63 1,979 138,352
22-01-2018 140.07 11.4982 1,007.938 -1,611 15,465 1,054.46 2,012 141,178
20-02-2018 131.08 12.2864 995.6515 -1,611 13,855 1,016.34 2,041 130,510
20-03-2018 129.19 12.4662 983.1853 -1,611 12,244 1,007.64 2,069 127,018
20-04-2018 137.26 11.733 971.4524 -1,611 10,634 1,043.10 2,100 133,345
21-05-2018 135.06 11.9246 959.5278 -1,611 9,023 1,033.84 2,131 129,592
20-06-2018 133.85 12.0322 947.4956 -1,611 7,413 1,028.63 2,161 126,822
20-07-2018 132.29 13.3911 934.1045 -1,772 5,641 1,123.97 2,191 123,577
20-08-2018 138.78 12.7657 921.3388 -1,772 3,870 1,154.21 2,222 127,859
21-09-2018 133.87 13.2336 908.1052 -1,772 2,098 1,131.58 2,254 121,566
22-10-2018 121.02 14.6387 893.4664 -1,772 326 1,063.63 2,285 108,126
20-11-2018 126.87 13.964 879.5024 -1,772 -1,445 1,096.26 2,314 111,579
20-12-2018 132.47 13.3737 866.1287 -1,772 -3,217 1,124.81 2,344 114,732
21-01-2019 130.27 13.5988 852.5299 -1,772 -4,988 1,113.92 2,376 111,062
20-02-2019 127.67 13.8757 838.6542 -1,772 -6,760 1,100.53 2,406 107,074
20-03-2019 137.93 12.8441 825.81 -1,772 -8,531 1,150.42 2,434 113,902
22-04-2019 140.96 12.5681 813.2419 -1,772 -10,303 1,163.77 2,467 114,632
20-05-2019 143.41 12.3527 800.8892 -1,772 -12,074 1,174.18 2,495 114,859
20-06-2019 143.43 12.3511 788.5381 -1,772 -13,846 1,174.26 2,526 113,103
22-07-2019 140.69 13.8514 774.6867 -1,949 -15,795 1,278.86 2,558 108,989
20-08-2019 135.08 14.4267 760.26 -1,949 -17,743 1,251.04 2,587 102,694
20-09-2019 141.00 13.8209 746.4391 -1,949 -19,692 1,280.34 2,618 105,246
22-10-2019 147.51 13.2105 733.2287 -1,949 -21,641 1,309.86 2,650 108,161
20-11-2019 152.58 12.7716 720.4571 -1,949 -23,590 1,331.08 2,679 109,929
20-12-2019 153.40 12.7037 707.7534 -1,949 -25,538 1,334.37 2,709 108,568
20-01-2020 157.84 12.3461 695.4073 -1,949 -27,487 1,351.66 2,740 109,764
20-02-2020 162.49 11.9926 683.4148 -1,949 -29,436 1,368.76 2,771 111,051
20-03-2020 124.19 15.6915 667.7233 -1,949 -31,385 1,189.88 2,800 82,924
20-04-2020 127.99 15.2261 652.4972 -1,949 -33,333 1,212.38 2,831 83,510
20-05-2020 124.02 15.7135 636.7837 -1,949 -35,282 1,188.81 2,861 78,971
22-06-2020 137.25 14.1978 622.5859 -1,949 -37,231 1,262.11 2,894 85,453
20-07-2020 141.99 15.0967 607.4892 -2,144 -39,374 1,413.51 2,922 86,258
20-08-2020 147.41 14.5414 592.9478 -2,144 -41,518 1,440.37 2,953 87,408
21-09-2020 143.46 14.9423 578.0054 -2,144 -43,661 1,420.98 2,985 82,919
20-10-2020 146.03 14.6794 563.326 -2,144 -45,805 1,433.69 3,014 82,261
20-11-2020 164.22 13.0529 550.2731 -2,144 -47,949 1,512.35 3,045 90,367
21-12-2020 170.57 12.5669 537.7061 -2,144 -50,092 1,535.85 3,076 91,719
20-01-2021 179.95 11.9123 525.7939 -2,144 -52,236 1,567.51 3,106 94,616
22-02-2021 187.05 11.4598 514.3341 -2,144 -54,379 1,589.39 3,139 96,208
22-03-2021 185.58 11.5505 502.7836 -2,144 -56,523 1,585.01 3,167 93,309
20-04-2021 186.47 11.4954 491.2883 -2,144 -58,667 1,587.67 3,196 91,613
20-05-2021 195.00 10.993 480.2952 -2,144 -60,810 1,611.97 3,226 93,655
21-06-2021 207.91 10.3101 469.9852 -2,144 -62,954 1,644.99 3,258 97,715
20-07-2021 212.16 11.1138 458.8713 -2,358 -65,312 1,820.48 3,287 97,356
20-08-2021 218.79 10.777 448.0943 -2,358 -67,670 1,836.77 3,318 98,041
20-09-2021 238.96 9.8675 438.2269 -2,358 -70,028 1,880.76 3,349 104,720
20-10-2021 246.63 9.5607 428.6661 -2,358 -72,386 1,895.59 3,379 105,721
22-11-2021 255.03 9.2458 419.4203 -2,358 -74,743 1,910.82 3,412 106,964
20-12-2021 240.34 9.8109 409.6094 -2,358 -77,101 1,883.49 3,440 98,445
20-01-2022 249.41 9.4541 400.1553 -2,358 -79,459 1,900.75 3,471 99,803
21-02-2022 231.21 10.1982 389.9572 -2,358 -81,817 1,864.76 3,503 90,163
21-03-2022 231.80 10.1722 379.785 -2,358 -84,175 1,866.02 3,531 88,036
20-04-2022 234.56 10.0526 369.7324 -2,358 -86,533 1,871.80 3,561 86,725
20-05-2022 213.45 11.0469 358.6855 -2,358 -88,891 1,823.72 3,591 76,561
20-06-2022 201.34 11.7115 346.9739 -2,358 -91,249 1,791.58 3,622 69,858
20-07-2022 217.71 11.9137 335.0602 -2,594 -93,843 2,017.60 3,652 72,946
22-08-2022 229.27 11.3129 323.7473 -2,594 -96,437 2,046.65 3,685 74,226
20-09-2022 238.19 10.8895 312.8577 -2,594 -99,030 2,067.12 3,714 74,519
20-10-2022 233.14 11.1251 301.7326 -2,594 -101,624 2,055.73 3,744 70,347
21-11-2022 232.60 11.1513 290.5813 -2,594 -104,218 2,054.47 3,776 67,588

Mutual Fund Investors are aware about Systematic Withdrawal Plan or SWP as it is known popularly. What is SWP and how it works can be read here Mutual Fund SWP: Smart investment solution for cash flow needs and wealth creation . In a normal SWP, generally investors can withdraw a fixed amount at a fixed frequency from their investments. However, we can try another innovative way of doing SWP You can call it SWP with Annual increase or Step-up SWP. The concept is that you can decide to increase the SWP amount annually by a certain percentage / or by a fixed amount. This helps you get higher regular cash flow which helps you spend more in future as the inflation keeps increasing with time. But most of the AMCs do not provide SWP with Annual increase facility through a standard product or feature. Therefore, if you want to use this innovative option, you should submit SWP mandate annually to the AMC by increasing the amount to the extent you want.

You can back test the results, by selecting an equity/ hybrid or any aggressive scheme of your choice, input the lump sum investment and SWP amount, select the to/ from dates, frequency in which you want to draw the SWP amount, the annual increase in SWP amount, etc. You will get the results along with detailed cash flow, returns in XIRR Percentage and the SWP amounts which are transferred to your bank account on the given dates/ frequency. This method of SWP is ideal for investors who want not only a sustainable income from their investments but also wanting to increase their cash flows annually to meet the increasing incomes due to rising inflation. To get the best results from SWP with annual increase, you should start SWP with a moderate amount and increase it by the extent of increase in inflation.

Advisorkhoj develops innovative mutual fund research tools and Calculators that may help you in your investments. Mutual Fund Distributors who wish to display MF Research and calculators on their website may write to sales@advisorkhoj.com for APIs.

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