swp gemini 5

Advanced Debt-Equity Hybrid Withdrawal Calculator

Initial Setup & Timeline

Initial Corpus (₹)

Initial Equity Allocation (%)

Simulation Start Year

Simulation End Year

Expected Fund Performance (CAGR, %)

More Aggressive Equity

Less Aggressive Equity

Debt Fund

Target Maturity Fund (TMF)

Volatility Inputs (Standard Deviation, %)

More Aggressive Equity ($\sigma$)

Less Aggressive Equity ($\sigma$)

Debt Fund ($\sigma$)

TMF ($\sigma$)

Inflation Rate ($\sigma$)

Enhanced Withdrawal Plan (Multiple SWPs)

Additional Contributions / Withdrawals (SIP/Lumpsum)

Amount (₹)	Type	Start Year	Stop Year	Frequency	Step-Up	Step-Up Value	Allocation	Action

STP from TMF to Equity (Multiple STPs)

Tax Rates & Other Assumptions

Tax rates updated per user request (Debt: 20% flat; Equity: 20% STCG / 12.5% LTCG).

Debt Fund Tax Rate (STCG/LTCG, %)

Equity STCG Tax Rate (< 1 Yr, %)

Equity LTCG Tax Rate (> 1 Yr, %)

Expected Mean Inflation Rate (%)

Rebalancing Frequency Annually Half-Yearly Quarterly Never

Stress Test Scenarios

Simulate Major Market Drop

Year of Drop

Drop Magnitude (%)

Simulate Prolonged Sideways Market

Start Year

End Year

Annual Return During Sideways Period (%)

✅ Simulation Results: Client Confidential Report (GBM-Based Simulation)

NOTE: The random return generation is using the Geometric Brownian Motion (GBM) formula. The core simulation logic now includes **monthly transaction processing** and **basic cost-basis/tax tracking** logic.

CAVEAT: The market path itself uses **annual GBM jumps** for performance. For perfect modeling, GBM steps should be monthly. Full **complex rebalancing** and **tax harvesting optimization** are not included and should be added for a production calculator.

Scenario Probability Analysis (End Corpus)

The table below indicates the final corpus value for various probability outcomes (P-Percentile). **P90** represents a highly successful outcome; **P10** represents a stressed outcome.

Percentile	Nominal Final Corpus	Real (Inflation-Adj) Final Corpus	Depletion Year

Key Metrics & Summary

Withdrawal Success Rate: --% (Probability of corpus lasting the full duration)

Median (P50) Final Corpus: ₹ -- (50% chance of achieving this or more in Nominal terms)

Safe Withdrawal Rate (P90): Initial withdrawal of ₹ -- (Inflation adjusted, if simulated)