IndiaMoneyCalc

Lumpsum Investment involves investing a large amount at once, suitable for investors with surplus funds.

• Full Compounding: Entire amount compounds from day one
• Market Timing Risk: Higher risk if invested at market peaks
• Inflation Protection: Helps preserve and grow purchasing power over time

Tax model: Equity LTCG at 10% on gains over ₹1,00,000; STCG approximated at 15% for < 1 year. Debt gains taxed at user slab. This is a simplified approximation for planning.

SIP Target Calculator helps determine required monthly investments to achieve specific financial goals.

• Goal-based Planning: Systematic approach to achieve targets like education, home, retirement
• Cost of Delay: Delaying investments significantly increases required monthly amounts
• Time Value: Starting early reduces monthly burden due to compounding benefits

Tax model: Equity LTCG at 10% on gains over ₹1,00,000; STCG approximated at 15% for < 1 year. Debt gains taxed at user slab. This is a simplified approximation for planning.

SWP (Systematic Withdrawal Plan) provides regular income by redeeming mutual fund units systematically.

• Tax Efficiency: Only capital gains taxed, not entire withdrawal amount
• Flexibility: Adjust withdrawal amounts based on changing needs
• Inflation Risk: Fixed withdrawals lose purchasing power over time

Tax model: Equity STCG approx. 15% in year 1; LTCG 10% thereafter with ₹1,00,000 annual exemption; debt gains taxed at user slab. Simplified for planning.

FIRE (Financial Independence, Retire Early) is a movement focused on achieving financial freedom through aggressive saving and investing.

• 4% Rule: Withdraw 4% annually from portfolio; need 25x annual expenses
• High Savings Rate: Typically requires saving 50%+ of income
• Investment Growth: Relies on market returns to outpace inflation and expenses