Plan Your Future Today with SIP & SWP
Start Small Today. Live Big Tomorrow.
Have you ever thought: "How will I manage retirement?" or "What if I can’t work tomorrow?"
Most people worry about the future but very few plan it smartly. The truth is — a financially secure life doesn’t come from luck. It comes from early action, smart investing, and disciplined planning.
At SRatan Capital, we help people like you create a powerful financial journey using two proven tools: SIP (Systematic Investment Plan) and SWP (Systematic Withdrawal Plan). Together, they are the perfect combo for building wealth and using it wisely.
🔍 Why Planning for the Future is More Important Than Ever?
Inflation, uncertain jobs, rising costs of education, healthcare, and housing — they’re not just big words. They’re real threats to your financial peace.
Example:
₹100 today may cost ₹160 in just 10 years!
If you only save in fixed deposits or keep money idle in your bank account, you're actually losing money every year. That’s why you don’t need just savings — you need GROWTH.
📈 What is SIP (Systematic Investment Plan)?
SIP is a way to invest small amounts regularly in mutual funds. Start with as little as ₹500/month and let your wealth grow over time.
🚀 Benefits of SIP:
- ✅ Rupee Cost Averaging
- ✅ Power of Compounding
- ✅ Emotion-Free Investing
- ✅ Affordable for Everyone
💡 Example:
Invest ₹10,000/month for 20 years @12% return → Over ₹1 crore!
🔁 SIP Types:
- Regular SIP
- Top-Up SIP
- Flexible SIP
- Perpetual SIP
💸 What is SWP (Systematic Withdrawal Plan)?
SWP lets you withdraw a fixed amount monthly from your mutual fund corpus — ideal after retirement or for passive income.
💡 Benefits of SWP:
- ✅ Monthly Income
- ✅ Capital Protection
- ✅ Tax Efficiency
- ✅ Stress-Free Withdrawals
💡 Example:
Corpus = ₹30 Lakhs → Withdraw ₹20,000/month while it keeps growing.
🧩 SIP + SWP = Financial Freedom
Phase 1: Build with SIP (Age 25–50)
- ✅ Start ₹5,000–₹20,000/month
- ✅ Use equity funds
- ✅ Increase yearly
Phase 2: Shift Gradually (Age 50–60)
Phase 3: Use SWP Post-Retirement
💰 Example: Invest ₹20,000/month (Age 30–60) → ₹2 Crore corpus. Withdraw ₹60,000/month post-retirement.
🧠 Choosing the Right Funds
For SIP: Large Cap, Flexi Cap, Mid/Small Cap, ELSS
For SWP: Hybrid Funds, Debt Funds, Equity Savings Funds
⚠️ Avoid These Common Mistakes
- ❌ Stopping SIP during market dips
- ❌ Overdrawing SWP
- ❌ Ignoring inflation
- ❌ No diversification
- ❌ No health insurance
🧾 How SRatan Capital Helps You
- ✅ Personalized SIP & SWP Strategy
- ✅ Tax Planning & Goal Setting
- ✅ 100% Digital Onboarding
- ✅ Regular Monitoring & Rebalancing
- ✅ 15+ Years Experience
Frequently Asked Questions
- When should I start SIP? Now. Earlier = better compounding.
- Can I pause/stop SIP? Yes. It’s flexible.
- Can I Top-Up SIP later? Yes, easily.
- Market down — stop SIP? No! It’s beneficial.
- SIP vs Lump Sum? SIP is safer for regular earners.
- Minimum SIP? ₹500/month.
- Is SIP safe? Long-term = better than FD.
- Any lock-in? Only ELSS (3 years).
- SIP vs SWP? SIP = invest. SWP = withdraw.
- Can both run together? Yes.
- Is SWP good for retirees? Perfect for monthly income.
- How much SIP to start? Whatever is affordable.
- Missed SIP — penalty? No. Just resume next month.
- How long should I invest? At least 5–10+ years.
- How is SWP taxed? Only on gains. Equity funds tax-free up to ₹1L/year.
- Withdraw SIP anytime? Yes, unless locked (ELSS).
- SWP vs FD? SWP gives higher returns + tax benefits.
- Monthly income via mutual funds? Yes — via SWP.
- Can I stop SWP? Yes, anytime.
- Wrong fund — what now? We help switch/review.
- Need demat? No.
- How to start with SRatan Capital? Call +91 9212448333 or visit www.sratancapital.com
