₹6 Lakh vs ₹8 Lakh One Time Investment: How Much Monthly Income Can You Get for 30 Years?

A Systematic Withdrawal Plan (SWP) allows investors to withdraw a fixed amount every month from a mutual fund while the remaining amount stays invested and continues to earn returns.

Let’s use a SWP calculator to see what kind of monthly income you can generate from a one-time investment of ₹6 lakh and ₹8 lakh over a 30-year period, assuming an expected annual return of 8%.

Scenario 1: One Time Investment of ₹6 Lakh

• Total Investment: ₹6,00,000
• Monthly Withdrawal: ₹4,280
• Duration: 30 years
• Total Withdrawal: ₹15,40,800
• Final Value Left: ₹8,998

With a ₹6 lakh one-time investment, you can withdraw ₹4,280 per month for 30 years. Over this period, you end up withdrawing more than 2.5x your original capital.

Scenario 2: One Time Investment of ₹8 Lakh

• Total Investment: ₹8,00,000
• Monthly Withdrawal: ₹5,710
• Duration: 30 years
• Total Withdrawal: ₹20,55,600
• Final Value Left: ₹7,302

By increasing your investment to ₹8 lakh, your monthly income rises to ₹5,710. That’s ₹1,430 more per month and over ₹5 lakh extra in total withdrawals across 30 years.

What This SWP Comparison Tells You

SWPs are ideal for investors who want stable monthly income without depleting their capital too quickly. The compounding effect and steady returns help extend the life of your corpus, even over long periods like 30 years.

Key Takeaways

• A one-time investment of ₹6 lakh through SWP may offer a monthly income of ₹4,280 for 30 years.
• Increasing the investment to ₹8 lakh can raise the monthly income to ₹5,710.
• The total amount withdrawn over 30 years exceeds the original capital in both scenarios.

Read More: Want ₹60,000 Monthly After Retirement? Here’s How Starting at 25 vs 30 Years Compares.

Conclusion

Whether you invest ₹6 lakh or ₹8 lakh, a Systematic Withdrawal Plan can help you generate consistent monthly income while keeping your capital working. However, the actual outcomes depend on factors like market performance, tax treatment, and your financial goals. It's essential to assess your risk appetite and consult a financial advisor before choosing an SWP strategy that suits your needs.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.

Mutual Fund investments in the securities market are subject to market risks, read all the related documents carefully before investing.