The fund the client invests in. The SWP and the STP are both drawn from here.
Destination Fund
The fund the STP feeds into. It accumulates the transferred amounts and grows over time.
Systematic Withdrawal Plan (SWP)
Regular income paid out from the source fund to the client.
Systematic Transfer Plan (STP)
Regular transfer from the source fund into the destination fund.
Auto — run to the end of the longer plan (SWP or STP)
SWP + STP Strategy Illustration
Plan Assumptions & Strategy Map
Strategy Summary
Strategy XIRR — Annualised Return to the Client
Solved on the client's actual cashflows
Strategy XIRR
—
Annualised return on the client's cashflows
The cashflow ledger is shown year-wise for readability; the XIRR itself is solved on the
full month-by-month cashflow stream. STP transfers are excluded — they are internal movements
between the client's own funds, not cashflows to or from the client.
Advisor Insights
Strategy Outcome — Where the Money Stands
Wealth Trajectory
Source FundDestination FundTotal Wealth
Cashflow Schedule
All amounts in ₹
Convention: each month the balance earns its return first, then the SWP and STP are deducted.
When the source fund is short, SWP income is honoured before STP transfers.
Important Disclosures
Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully.
The rates of return used in this illustration are assumed for planning purposes only, are not guaranteed,
and actual returns may be higher or lower. Systematic Withdrawal Plans (SWP) and Systematic Transfer Plans (STP)
do not assure a profit or protect against a loss in declining markets. All figures are indicative and
pre-tax — applicable capital gains tax on redemptions and SWP withdrawals will reduce the actual
in-hand amounts received by the investor. This document is an educational illustration prepared for the named
client and does not constitute investment, tax, or legal advice. Past performance is not indicative of future results.