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
Accumulation Phase
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
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Investments in Solution Oriented Funds is assumed to grow at 8% CAGR
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Net Sales to grow at 20% for the first 5 years. Post that redemptions and incremental net sales are assumed to balance out
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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}}
Payment Distribution Phase

Assumptions
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Retirement corpus is invested in three schemes and SWP is opted from next month onwards
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Investment proportion of Retirement corpus: 30% in Savings Fund; 55% in Equity Hybrid; 15% in Growth oriented fund
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Return expectation: Savings Fund - 4% CAGR; Equity Oriented fund – 10% ; Growth Oriented Fund - 12% CAGR
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An inflation rate of 6% is assumed every year
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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
|
Amount invested for
{{IFACalcularorPostRetirementResponse.Data.SWPScheme2.AmountInvestedPeriodInWord}} |
Amount invested for |
{{IFACalcularorPostRetirementResponse.Data.SWPScheme2.AgeAtTheTimeOfSWPStartDateInWord}} |
SWP Starts
|
Amount invested for
{{IFACalcularorPostRetirementResponse.Data.SWPScheme3.AmountInvestedPeriodInWord}} |
|
{{IFACalcularorPostRetirementResponse.Data.SWPScheme3.AgeAtTheTimeOfSWPStartDateInWord}} |
SWP Starts
|