Unlock Savings with SWP: Shreyaa Kapoor's ₹21 Lakhs Tip for Luxury Car Buyers

Finance meets the fabulous with Shreyaa Kapoor, and for this time, she's stylishly breaking down how the wealthy afford luxury cars without the EMIs or loans, but just using a Systematic Withdrawal Plan (SWP). If you think that you need to save for many years or drown in EMIs to drive in your dream car, then think again.

“How did you afford this car?”-

In her witty signature satirical style, Shreyaa dives into a very luxury car scenario and delivers a top lesson in personal finance that's both sharp and much smart. Forget about asking your husband, just ask your mutual fund.

What is an SWP?-

A Systematic Withdrawal Plan (SWP) is the opposite of a SIP. Instead of investing some small amounts regularly, you:

• Invest a lumpsum in a mutual fund or in the market
• Withdraw a fixed amount monthly or for quarterly
• Earn the returns on the remaining amount

This strategy works much wonders when your ultimate goal is to match the lifestyle expenses (like a car EMI!) with your investment income.

Shreyaa's Example: ₹75 Lakh Car,in the SWP Way

Instead of:

• Paying about ₹1.2 lakh EMI for 7 years, or
• Buying the car outright with ₹75 lakhs,

You could:

• Invest ₹75 lakhs in a mutual fund expecting for 12% annual returns
• Set up an SWP to withdraw the ₹1.2 lakhs/month
• Over the 7 years, you would've withdrawn ₹1.01 crore, enough to cover up the car
• AND still have ₹21 lakhs left invested!

Why This Strategy Works-

• Your capital keeps growing even while you withdraw
• You avoid the interest-heavy car loans
• You preserve the wealth instead of spending it all on up front

It's not just magic, but it's the math, made more stylish by Shreyaa Kapoor.

This isn't just about the financial literacy, it's the financial elegance. With more smart investing through SWP, you don't just buy luxury, but you fund it very wisely.

Just like Shreyaa says it, “Let your money do the whole driving.”

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