Securing Hannav Ledger...
Securing Hannav Ledger...
Glossary
Safe withdrawal rate (SWR) is the percentage of a portfolio you can withdraw each year with a planned chance of not depleting the corpus over a long retirement.
How much of your nest egg you can take out yearly without running out too soon — often discussed as 3–4%.
The classic 4% rule comes from US historical studies. Indian planners adjust for taxes, equity allocation, and medical inflation. SWP tools help simulate path risk.
On a ₹2 crore corpus, 4% SWR suggests about ₹8 lakh/year (≈ ₹67,000/month) before taxes.
Annual Withdrawal ≈ Corpus × (SWR ÷ 100)How much of your nest egg you can take out yearly without running out too soon — often discussed as 3–4%.
Safe Withdrawal Rate helps you evaluate products, compare options, and make informed decisions aligned with goals, tax rules, and risk tolerance in the Indian financial system.