One-time investment- Rs 10,49,999
Investment period: 30 years
Expected annualised return- 12 per cent
After 30 years of investment
Estimated capital gains- Rs 3,04,07,889
Estimated retirement corpus- Rs 3,14,57,888
Tax calculation
LTCG tax exemption- Rs 1,25,000
Taxable capital gains- Rs 3,14,57,888- Rs 1,25,000= Rs 3,13,32,888
LTCG tax rate- 12.5 per cent
Estimated tax (LTCG)- Rs 39,16,611
Post-tax corpus for SWP investment– Rs 3,14,57,888- Rs 39,16,611= Rs 2,75,41,277
SWP calculation for monthly income
Estimated monthly income for 30 years- Rs 1,82,170
Total withdrawn amount in 30 years- Rs 6,55,81,200
Balance- Rs 176
