Building the corpus is the long part. Drawing it down badly can still cost years of it.
Accumulation gets all the attention and decumulation gets almost none — which is odd, because the second one is where tax actually bites.
A systematic withdrawal plan returns capital as well as gains, so only the gain component is taxable. Which asset you draw from first, and in what order, changes the post-tax outcome materially.
Coordinate this with your chartered accountant — the right sequence depends on your full income picture, not just the portfolio.
It takes about a minute. Move the sliders, see the number, and send it to us if you want to talk it through.
FreeNo sign-upNothing is stored
Investing ₹15,000 every month for 15 years at 12% p.a.
Not a slogan about compounding. The number, worked out: a five-year delay removes about half the final corpus, and the proportion does not change with the amount.
Read more →Mutual FundsExpense ratio, portfolio turnover, rolling returns, drawdown and mandate drift.
Read more →RetirementInflation-adjusted expenses, healthcare buffers and safe withdrawal rates.
Read more →Bring your goals and your current position. You'll leave the first conversation with a clear first step, whether or not you work with us.
