US Equity fund SWP returns
₹10 lakh invested, a monthly income taken out: what every us equity fund paid and is worth, to 9 Nov 2026.
Category average, 5 years at 6%
₹13.59 L
left, after ₹3.00 L taken out
Most left, 5 years at 6%
₹16.19 L
DSP US Specific Equity Omni FoF
Regular plan, Growth option.
₹10 L invested, ₹5,000 a month taken out
| Taken out | |||
|---|---|---|---|
| Category average | ₹3.00 L | ₹13.59 L | 12.0% |
| ₹3.00 L | ₹16.19 L | 15.5% | |
| ₹3.00 L | ₹14.34 L | 13.0% | |
| ₹3.00 L | ₹13.84 L | 12.3% | |
| ₹3.00 L | ₹13.53 L | 11.9% | |
| ₹3.00 L | ₹12.89 L | 10.9% | |
| ₹3.00 L | ₹11.34 L | 8.5% | |
| ₹3.00 L | ₹10.86 L | 7.7% | |
| ₹3.00 L | ₹9.39 L | 5.0% |
8 funds with 5 years of history; 1 younger funds left out. Click a heading to sort.
How are us equity fund SWP returns worked out?
₹10 lakh is invested on one day, then a fixed amount is taken out every month: 4%, 6% or 8% of the ₹10 lakh a year, split into 12 monthly withdrawals. The first comes a month after investing and the last on the latest NAV date. Each withdrawal sells units at that day's NAV. The return is XIRR over the investment, every withdrawal and what is left.
What does "ran out" mean?
What was left fell below one month's withdrawal before the period ended, so withdrawals stopped. It happens when the fund fell while money was being taken out, the risk a retiree drawing an income faces.
Which withdrawal rate is sustainable?
It depends on how long the money must last and how much of it is in equity. A rate the fund's return comfortably beats leaves the value growing; a rate above it eats into the capital. Past periods do not show how a future one will go.
Worked out from each fund's own daily NAV. Taxes and exit loads are left out. Past performance does not indicate future returns.