STP SWP Retiree Strategy — Capital Preservation India

STP + SWP — Retiree Strategy

Only the profits from your equity corpus transfer to a liquid fund monthly. The principal stays invested and keeps growing. Income without depleting your wealth.

The Capital-Preserving Retirement Strategy

Traditional SWP depletes your corpus. This strategy is different: only the gains above your chosen return threshold transfer out each month. If your equity fund earns above the threshold, that surplus moves to a liquid fund from where you draw via SWP. In months where gains are below threshold, nothing transfers. Your principal stays intact — and can even grow over time if markets do well.

Retiree Corpus Setup

Corpus in Equity Fund (₹)

Expected Equity Return (%)

12%

Transfer Threshold — only gains above this % are transferred (%)

E.g. at 7% threshold: gains above 7% p.a. transfer out. Principal is reinvested.

Planning Horizon

20 yrs

Liquid Fund Return (where profits park)

6.5%

Estimated Monthly Transfer

₹—

Corpus After 20 Years

—

Total Transferred Out

—

Principal Preserved?

—

Net Wealth Created

—

Disclaimer: This strategy illustration uses constant annual return assumptions. Actual equity returns vary year to year — in bad years, no transfer may occur. Mutual Fund investments are subject to market risks. Past performance is not indicative of future results. This is a planning illustration only, not investment advice. Consult Eswari Guduru (ARN-309076) for guidance specific to your situation.

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Eswari Guduru (ARN-309076) · Guduru Anantha Eswari Rajeswari · AMFI Registered Mutual Fund Distributor · Authorised Person — Kotak Securities Ltd (INZ000200137) · NSE AP AP0291573301 · Boduppal, Hyderabad 500092 · +91 79959 72796 · eswariguduru.com
All projections are for illustration only. Returns not guaranteed. Constant assumed rates — actual MF returns fluctuate. Not investment advice. Not a SEBI Registered Investment Adviser. Read all scheme documents before investing. Tax calculations, where applicable, use FY2026-27 slabs — consult a CA for personal advice.