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excellent article. pl suggest some scheme where some brokerage is paid to us and as well benefit customer regards bvramani
Thank you all for your suggestions and encouragement and most of all for the appreciation for the idea. This is a powerful tool for most investors, for whom capital preservation is more crucial. For those who need further clarifications, please write to me on abhenav@vyana.in or call me on 9836333525.
Dear Abhenav, You have presented a solution for all those (Retirees in particular) who needs tax efficient cash flow. I will compare your solution as an Indian thali which offers all tastes.
Superb stuff Abhenav. What a great value add for the IFA fraternity and of course for your clients.
Thanks a lot Abhenav for sharing an invaluable strategy. Such selflessbest practices sharing can indeed help IFAs a lot.
WOW! Such insightful article Abhenav! congrats. Mr.Bond has serious competition now. Really good one. And, yes, Advisors have to look beyond Equities and see Debt seriously. But, the question is, which AMC is ready to take a hit on waiving the Exit Load? WHO WILL BELL THE CAT, my friend??
Very nice & good article, but a honest equity oriented hybrid funds are more better solutions with SWP plans in long term. Ours competition is with Annuity plans
Very nice and informative article. I have one doubt that if an investor has no source of income other than SWP from Debt fund and his appreciation from the investment is less than 2.5 Lacs. Does he need to pay short term capital gain?
very good idea
This is really hard work to a futile end.If an investor even if retired , is paying tax - the first objective itself shall be to provide equity exposure. But still we talk about debt , it looses the ground. On the other side , while the risks in debt are very uncertain in nature , what an advisor misses by this kind of proposition is that , say over a period of time say... 5 to 7 years , there might be no great investor experience, as the average returns still linger around the same as that of an FD or ppf even worse less than that.A better approach would be to get asset allocation done properly , get some reasonable portion in to equity, manage it well,provide a positive experience, so that the retiree will refer you to his children and grand children! No doubt , this a bit hard work, but that where an IFA can add value to the investor and himself.