MFD Retirement Calculator | SBI MF Partner

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Retirement MFD Calculator

Why should investors have all the fun?

As you help investors plan for their retirement and their child's dreams, we are here to show you how you can plan for your retirement from the commissions earned by promoting SBI Mutual Fund's Solution Oriented Plans.

Accumulate

Save a percentage of your commissions from the Mutual fund distribution business

Power of Compounding

Take the advantage of power of compounding and invest your savings in SBI Mutual funds

Payment

Reinvest your accumulated savings in SBI Mutual funds and get monthly income using Systematic withdrawal plan

Plan for My Retirement Now

1 of 3 Retirement Planning - Accumulation Phase Plan retirement from Mutual Fund Distribution business with SBIMF

I am years old and I want to

retire at the age of years.

I am planning for my post-retirement life till the age of years

2 of 3 Retirement Planning - Accumulation Phase Plan retirement from Mutual Fund Distribution business with SBIMF

My annual SBIMF Net Sale (in Lakhs) is ₹ Lakhs

and my expected trail commision percentage is %.

I want to invest a percentage of % towards my monthly post-retirement income

I have existing savings

Any existing savings or SIPs that you've kept aside for your retirement

3 of 3 Retirement Planning - Accumulation Phase Plan retirement from Mutual Fund Distribution business with SBIMF

I have already saved ₹

and the expected rate of return from the above investment is %

Please enter your age. This facility is not available for Minors. Oops! This facility is not available for MFDs over 65. Please select retirement age. That’s too young to retire! Retirement Age cannot be more than 65 Please select plan age. Plan age should be between {{GetTotal(RetirementCalModel.RetirementAge,1)}} to 99 Please enter your Annual business (Gross Sales) with SBI Mutual Funds. that’s too less to plan for retirement Please enter expected trail commission. Expected trail commission must be in the range 0.25% to 2.5% Please enter expected rate of return on your exiting investments. Range should be between 0 to 100 % Please enter already saved amount for your retirement. Saved amount should not be zero. Please enter expected rate of return on your exiting investments. Range should be between 0 to 100 %

Retirement Planning

Accumulation Phase

Age of Retirement (in years) {{RetirementCalModel.RetirementAge}}

Plan Until Age (in years) {{RetirementCalModel.PlanAge}}

Current Age (in years) {{RetirementCalModel.CurrentAge}}

Annual SBIMF Net Sale (in Lakhs) ₹ {{RetirementCalModel.AnnualBusiness}} Lakhs

Given that you earn {{RetirementCalModel.ExpectedTrailCommission}}% trail comission on sale of solution oriented funds and invest {{RetirementCalModel.InvestedPercentage}}% of these earning in your retirement.

Assumptions

Investments in Solution Oriented Funds is assumed to grow at 8% CAGR
Net Sales to grow at 20% for the first 5 years. Post that redemptions and incremental net sales are assumed to balance out
Investments in SBIMF schemes by the distributor is assumed to grow at 10% CAGR

Result of Accumulation & Power of Compuding

By {{IFACalculatorResponse.RetirementYear}} (in {{IFACalculatorResponse.Tenure}} years), the accumulated corpus from SBIMF will be

₹ {{IFACalculatorResponse.AccumulatedCorpus|formatNumberToTwoDecimal}}

Basis of investments of ₹ {{IFACalculatorResponse.InvestmentAmount|formatNumberToTwoDecimal}}

Your existing investments at rate of return of {{RetirementCalModel.ExpectedReturnOnExistingInv}}% will be

₹ {{IFACalculatorResponse.SavedCorpusValue|formatNumberToTwoDecimal}}

Total accumulated corpus will be ₹ {{IFACalculatorResponse.TotalAccumulatedCorpus|formatNumberToTwoDecimal}}

Plan for Monthly Income

Retirement Planning - Payment Distribution Phase Plan retirement from Mutual Fund Distribution business with SBIMF

The total accumulated corpus from SBIMF & other investments is ₹

I need to plan such that I have a monthly income of ₹

from the age of years to years

Please enter accumulated corpus and other investment amount. Accumulated corpus should be more than or equal to 10 Lakhs Accumulated corpus can not be more than 100 Cr Please enter your monthly plan income. Monthly plan income can not be less than 5000 Monthly plan income can not be greater than {{RetirementCalDistModel.AccumulatedCorpusAndOtherInv *(30/100)}} (30% of accumulated corpus) Please enter from age. That’s too young to retire! Retirement Age cannot be more than 65 Please enter to age. Plan age should be between {{GetTotal(RetirementCalDistModel.RetirementAge,1)}} to 99

Retirement Planning

Payment Distribution Phase

You can edit your plan below

Age of Retirement (in years)

Plan until Age (in years)

Current Age (in years)

Existing Savings (in rupees) {{RetirementCalModel.AlreadySavedAmt?RetirementCalModel.AlreadySavedAmt:'0'}}

Expected Return (in percentage) {{RetirementCalModel.ExpectedReturnOnExistingInv?RetirementCalModel.ExpectedReturnOnExistingInv:'0'}}

Acccumulated Corpus (in rupees)

Monthly Income (in rupees)

SWP Duration {{SWPToalDuration}}

Duration (in years) {{RetirementCalDistModel.SWPPlanAge - RetirementCalDistModel.RetirementAge}}

Assumptions

Retirement corpus is invested in three schemes and SWP is opted from next month onwards
Investment proportion of Retirement corpus: 30% in Savings Fund; 55% in Equity Hybrid; 15% in Growth oriented fund
Return expectation: Savings Fund - 4% CAGR; Equity Oriented fund – 10% ; Growth Oriented Fund - 12% CAGR
An inflation rate of 6% is assumed every year
SWP is first started from Savings fund. After the corpus gets utilized, SWP starts from Equity Hybrid Fund.

Your Post Retirement Cashflow (SWP Plan)

Your Age	Savings Fund Low Risk Amount Invested : ₹{{IFACalcularorPostRetirementResponse.Data.SWPScheme1.AmountInvestedInFund\|formatNumberToTwoDecimal}}	Equity Oriented Hybrid High Risk Amount Invested : ₹{{IFACalcularorPostRetirementResponse.Data.SWPScheme2.AmountInvestedInFund\|formatNumberToTwoDecimal}}	Growth Fund High Risk Amount Invested : ₹{{IFACalcularorPostRetirementResponse.Data.SWPScheme3.AmountInvestedInFund\|formatNumberToTwoDecimal}}
{{IFACalcularorPostRetirementResponse.Data.SWPScheme1.AgeAtTheTimeOfSWPStartDateInWord}}	SWP Starts Monthly SWP Amount ₹{{IFACalcularorPostRetirementResponse.Data.SWPScheme1.MonthlySWPAmount\|formatNumberToTwoDecimal}} Amount Withdrawn ₹{{IFACalcularorPostRetirementResponse.Data.SWPScheme1.WithdrawnAmount\|formatNumberToTwoDecimal}} Tax Liability ₹{{IFACalcularorPostRetirementResponse.Data.SWPScheme1.MonthlyTaxLiability\|formatNumberToTwoDecimal}} Remaining funds ₹{{IFACalcularorPostRetirementResponse.Data.SWPScheme1.RemaningFundAmount\|formatNumberToTwoDecimal}}	Amount invested for {{IFACalcularorPostRetirementResponse.Data.SWPScheme2.AmountInvestedPeriodInWord}}	Amount invested for {{IFACalcularorPostRetirementResponse.Data.SWPScheme2.AmountInvestedPeriodInWord}}

{{IFACalcularorPostRetirementResponse.Data.SWPScheme2.AgeAtTheTimeOfSWPStartDateInWord}}		SWP Starts Monthly SWP Amount ₹{{IFACalcularorPostRetirementResponse.Data.SWPScheme2.MonthlySWPAmount\|formatNumberToTwoDecimal}} Amount Withdrawn ₹{{IFACalcularorPostRetirementResponse.Data.SWPScheme2.WithdrawnAmount\|formatNumberToTwoDecimal}} Tax Liability ₹{{IFACalcularorPostRetirementResponse.Data.SWPScheme2.MonthlyTaxLiability\|formatNumberToTwoDecimal}} Remaining funds ₹{{IFACalcularorPostRetirementResponse.Data.SWPScheme2.RemaningFundAmount\|formatNumberToTwoDecimal}}	Amount invested for {{IFACalcularorPostRetirementResponse.Data.SWPScheme3.AmountInvestedPeriodInWord}}

{{IFACalcularorPostRetirementResponse.Data.SWPScheme3.AgeAtTheTimeOfSWPStartDateInWord}}			SWP Starts Monthly SWP Amount ₹{{IFACalcularorPostRetirementResponse.Data.SWPScheme3.MonthlySWPAmount\|formatNumberToTwoDecimal}} Amount Withdrawn ₹{{IFACalcularorPostRetirementResponse.Data.SWPScheme3.WithdrawnAmount\|formatNumberToTwoDecimal}} Tax Liability ₹{{IFACalcularorPostRetirementResponse.Data.SWPScheme3.MonthlyTaxLiability\|formatNumberToTwoDecimal}} Remaining funds ₹{{IFACalcularorPostRetirementResponse.Data.SWPScheme3.RemaningFundAmount\|formatNumberToTwoDecimal}}

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