MF ANALYSER · KNOWLEDGE BITES

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Money & goals

2 guides

Money & goals2 min

Which mutual funds offer reliable SWP options with inflation protection and good NAV today?

An SWP is a scheduled redemption of fund units, not an interest guarantee.

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An SWP is a scheduled redemption of fund units, not an interest guarantee. A scheme offering the facility does not promise that withdrawals will keep pace with inflation or that the corpus will last. Compare asset risk, costs, withdrawal size and time horizon, then test unfavourable return sequences as well as a smooth calculator scenario.

TRY IT WITH YOUR INPUTSSWP calculator Test withdrawals against a corpus, return assumption and inflation. A smooth projection cannot remove sequence-of-returns risk.

01Example & full explanation

Money & goals2 min

Is an IDCW payout extra investment income?

Follow an illustrative payout through NAV and cash. A distribution changes where value sits; it does not create value by itself.

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No. An income distribution cum capital withdrawal payout transfers value out of the scheme, and the NAV adjusts for the distribution and applicable effects. It is not an extra return on top of an unchanged NAV. Assess the investment using both remaining unit value and distributions, with relevant tax and transaction effects considered separately.

02Example & full explanation

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Each bite focuses on one question. The worked example explains the mechanics; the source lets you verify the definition. For a real decision, check your scheme’s current documents, costs and disclosures.

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