Videos are never enough to understand the full concept of Shunaya or Zeroism or Non-duality, so keep reading the basic texts for the same; they are all freely available in PDF. If you can comprehend them well, congratulations; if you can't, hurry up, you only live once, and never come back again.
Monday, 15 December 2025
Non-Dualism or Nirvana or Zeroism - Some Video Resources
Hi, there's not much to write about the videos, just give them a watch and get some enlightenment.
Saturday, 13 December 2025
Maa Ka Doodh (माँ का दूध) Full Movie | Hindi | 4K
https://www.youtube.com/watch?v=XhTOLeevtQw
You'll love to visit this website: https://maakadoodh.in/break-the-chain/
https://youtu.be/EiukdpBo9sY?si=KGJsflPDrW_0lyg1
I know, truth is bitter and hits harder than we think, but it's always and forever good for health.
Reflect, review, reassess your choices, actions, and...
Thank me later!
Monday, 13 October 2025
SWP - Systematic Withdrawal Plan and MIS - Monthly Income Scheme
Hola Readers,
The following post is an AI-generated post created with the help of ChatGPT. It explains how SWP and MIS - a fixed deposit savings plan giving flexibility and regular income through interest every month. Let's get to know personal finance in a better way.
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Systematic Withdrawal Plan – SWP
| Monthly Withdrawal | Corpus Size Needed (Approx.) | 4% Return | 5% Return | 6% Return | 7% Return |
|---|---|---|---|---|---|
| ₹5,000 | ₹15,00,000 | ₹12,00,000 | ₹10,00,000 | ₹8,50,000 | ₹8,00,000 |
| ₹10,000 | ₹30,00,000 | ₹24,00,000 | ₹20,00,000 | ₹17,00,000 | ₹16,00,000 |
| ₹15,000 | ₹45,00,000 | ₹36,00,000 | ₹30,00,000 | ₹25,50,000 | ₹24,00,000 |
| ₹20,000 | ₹60,00,000 | ₹48,00,000 | ₹40,00,000 | ₹34,00,000 | ₹32,00,000 |
| ₹25,000 | ₹75,00,000 | ₹60,00,000 | ₹50,00,000 | ₹42,50,000 | ₹40,00,000 |
💡 Explanation (What This Table Means)
This table shows how much investment (corpus) you need to generate a fixed monthly withdrawal through a Systematic Withdrawal Plan (SWP) at various expected annual return rates (4%, 5%, 6%, 7%).
An SWP works like this:
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You invest a lump sum amount in a mutual fund (usually a debt or balanced fund).
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Every month, you withdraw a fixed amount (for example, ₹5,000, ₹10,000, etc.).
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The remaining balance continues to earn returns.
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Thus, it provides a regular income while keeping your money invested.
📊 Example Explanation
Suppose you want a monthly income of ₹10,000:
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If your mutual fund gives 4% return, you’ll need a corpus of ₹30,00,000.
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If it gives 7% return, you’ll need only ₹16,00,000.
That means the higher the return, the lower the required investment for the same monthly withdrawal.
⚙️ Usefulness of SWP
✅ Provides regular monthly income for retirees or those needing a steady cash flow.
✅ Offers tax efficiency compared to fixed deposits.
✅ Allows capital appreciation on the remaining corpus.
✅ Keeps funds liquid and flexible — you can stop or modify withdrawals anytime.
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Comparison between SWP and MIS
Comparing SWP (Systematic Withdrawal Plan) and MIS (Monthly Income Scheme) is key to choosing the smarter investment for a regular monthly income.
Here’s a clear and professional comparison that highlights which is more advantageous and why:
💼 1. Nature of Investment
| Aspect | SWP (Systematic Withdrawal Plan) | MIS (Monthly Income Scheme) |
|---|---|---|
| Type | Mutual Fund-based plan (market-linked) | Fixed-income plan (bank/post office) |
| Investment Risk | Moderate to variable (depends on fund type) | Low (capital protection guaranteed) |
| Flexibility | Highly flexible — can start, stop, or change withdrawals anytime | Rigid — fixed tenure (5 years in Post Office MIS) |
✅ Advantage: SWP wins for flexibility and liquidity.
📈 2. Returns and Growth Potential
| SWP | MIS |
|---|---|
| Returns vary (typically 6–10% in debt/balanced funds) | Fixed return (6.6–7.4% approx.) |
| The remaining corpus continues to grow | Corpus remains constant, no compounding after maturity |
✅ Advantage: SWP offers higher potential returns and capital appreciation over time.
💰 3. Tax Efficiency
| SWP | MIS |
|---|---|
| Only capital gains are taxed — lower tax due to indexation benefits if held >3 years | The entire interest is taxable as income |
| Can plan withdrawals to minimize tax burden | No such flexibility |
✅ Advantage: SWP is more tax-efficient, especially for long-term investors.
🔄 4. Liquidity and Control
| SWP | MIS |
|---|---|
| Can redeem anytime; no penalty for stopping SWP | Premature withdrawal has a penalty |
| Can modify withdrawal amount anytime | Fixed payout; cannot change |
✅ Advantage: SWP gives greater control over your money.
🧓 5. Suitability
| SWP | MIS |
|---|---|
| Suitable for retirees or investors seeking inflation-beating monthly income | Suitable for conservative investors who want a guaranteed income |
| Ideal for long-term wealth creation with periodic income | Ideal for short to medium-term fixed income needs |
✅ Advantage: SWP is better for long-term financial planning and inflation-adjusted income.
⚖️ Final Comparison Summary
| Criterion | Preferable Option |
|---|---|
| Flexibility | SWP |
| Return Potential | SWP |
| Capital Protection | MIS |
| Tax Efficiency | SWP |
| Liquidity | SWP |
| Simplicity | MIS |
🎯 Conclusion
If you want:
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Stability and zero risk: choose MIS (Post Office or Bank).
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Regular income with growth and tax advantage: choose SWP (especially in debt or balanced mutual funds).
In short —
👉 MIS = Safety First
👉 SWP = Smart Flexibility with Growth
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