SWP Plan -Gemini Ver 1

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	Allocation	Action

STP from TMF to Equity (Multiple STPs)

Tax Rates & Other Assumptions

STCG Tax Rate (%)

LTCG Tax Rate (%) (Post ₹1L Exemption)

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: Comprehensive Report

Key Metrics

Withdrawal Success Rate (P90): --%

Corpus Remaining (Median): ₹ -- (in nominal value)

Corpus Remaining (Real Value P50): ₹ -- (inflation-adjusted)

Maximum Withdrawal Year (P10 Failure): --

Detailed Scenario Outcomes (Placeholder)

Best Case (P99): Final Corpus of ₹ -- Million.

Worst Case (P1): Corpus depleted in Year --.

Withdrawal Reliability: 95% chance of achieving ₹ -- Monthly Withdrawal (Adjusted for Inflation).

(Note: This report structure is comprehensive, but all numbers are placeholders. Actual financial logic for Monte Carlo simulation must be added to produce real results.)