Monthly SIP FOR 30 YRS.

Initial Amount 0
RETURN ON INVESTMENT 12.0%
Compounding period in months 3
No. of compounding periods in a year 4
No. of Years 1
Monthly SIP 4000
Final Value 50,204
Total invested 48,000

MONTHLY SIP OF Rs-4000 WITH 5% INCREMENT EVERY YEAR

YEAR Opening 6% Addition BALANCE RATE OF RETURN CLOSING

EVERY YEAR 12%
1 0.500 0 0.500 0.56 0.560
2 0.56 0.59 1.2 0.14 1.3
3 1.29 0.63 1.9 0.23 2.2
4 2.15 0.67 2.8 0.34 3.2
5 3.16 0.71 3.9 0.46 4.3
6 4.33 0.75 5.1 0.61 5.7
7 5.69 0.79 6.5 0.78 7.3
8 7.26 0.84 8.1 0.97 9.1
9 9.07 0.89 10.0 1.20 11.2
10 11.16 0.95 12.1 1.45 13.6
11 13.56 1.00 14.6 1.75 16.3
12 16.31 1.06 17.4 2.08 19.5
13 19.5 1.13 20.6 2.47 23.1
14 23.1 1.19 24.2 2.91 27.2
15 27.2 1.27 28.4 3.41 31.8
16 31.8 1.34 33.2 3.98 37.2
17 37.2 1.42 38.6 4.63 43.2
18 43.2 1.51 44.7 5.37 50.1
19 50.1 1.60 51.7 6.20 57.9
20 57.9 1.69 59.6 7.15 66.7
21 66.7 1.80 68.5 8.22 76.8
22 76.8 1.90 78.7 9.44 88.1
23 88.1 2.02 90.1 10.81 100.9
24 100.9 2.14 103.1 12.37 115.4
25 115.4 2.27 117.7 14.12 131.8
26 131.8 2.40 134.2 16.11 150.3
27 150.3 2.55 152.9 18.35 171.2
28 171.2 2.70 173.9 20.87 194.8
29 194.8 2.86 197.7 23.72 221.4
30 221.4 3.03 224.4 26.93 251.3
250.0

SWP ( Systematic withdrawan plan ) after 30 years for next 20 years

BALANCE INVESTMENT RETURN @10%
Age OPENING ( LAKHS) WITHDRAWN BALANCE ROI CLOSING
1.5 lakhs p.m. LAKHS 10%
61 250.00 18 232.00 23.20 255.20
62 255.2 18.9 236.3 23.63 259.9
63 259.9 19.8 240.1 24.01 264.1
64 264.1 20.8 243.3 24.33 267.6
65 267.6 21.9 245.7 24.57 270.3
66 270.3 23.0 247.3 24.73 272.0
67 272.0 24.1 247.9 24.79 272.7
68 272.7 25.3 247.4 24.74 272.1
69 272.1 26.6 245.5 24.55 270.1
70 270.1 27.9 242.1 24.21 266.4
71 266.4 29.3 237.0 23.70 260.7
72 260.7 30.8 230.0 23.00 252.9
73 252.9 32.3 220.6 22.06 242.7
74 242.7 33.9 208.7 20.87 229.6
75 229.6 35.6 194.0 19.40 213.4
76 213.4 37.4 176.0 17.60 193.6
77 193.6 39.3 154.3 15.43 169.7
78 169.7 41.3 128.4 12.84 141.3
79 141.3 43.3 98.0 9.80 107.7
80 107.7 45.5 62.3 6.23 68.5
81 68.5 47.8 20.7 2.07 22.8