BeingWealthy Financial Services

13/04/2026

SML Bucketing Strategy for Retirement Corpus

Kafi log yeh mante hai ki hum agar retirement corpus ko MF mein daal de aur market gir jaye to kya hoga??? Iska solution mere paas hai. SML Bucketing Strategy.

SML stands for Short, Medium and Long. Divide your requirements in in these 3 buckets

Aaple ek ssal ki requirement will be deployed in liquid or debt funds - Which knows as short term

2nd and 3rd years ki requirements ko hum Medium Term kahenge aur yeh aapo invest kar sakte hai Short term debts funds or balanced funds mein

Requirement of 4th year onwards can be treated as long term aur isko aap invest kar saket hai equity funds mein....from Equity Hybrid to large cap to Flexi caps

For explanation - lets say aapki monthly req hai 50 hazar ki hai.

To 1st year ka requirement - 6 lacs - Short Team hai 2nd and 3rd year ka milake 12 lakh Medium Term hai anu baki aapka Long term ho jayega.

Invest them as per SML Bucketing, this will help you generate good returns.

If you want personalised information about it Text Retirement in comments.

I am Paisewala Amit. Follow me for such interesting financial information.

04/04/2026

FD vs SWP

For reasons why SWP can be a better option over FD:

1. Return - FD typically help you earn around 7% where as MF schemes can help you earn 3-4 % more
2. ⁠Taxabity - The biggest reason. You have to pay tax on total income that you earn in a year on FD, where as in MF you pay tax on profits of the withdrawal amount. With his you save a lot of tax.
3. ⁠Risk - FD are considerable safer; however there are MF schemes where with reasonable risks one can make better returns.
4. ⁠Liquidity - FD matures on a date and if you withdraw early, you pay charges or get lesser interests; where as in MF you can withdraw money as and when needed at the market value of the funds. Hence it becomes highly flexible option.

I have an example where 1 crore invested in MF - SWP can make 61 lacs more over investment in FD.

Text me SWP for the same.

04/04/2026

FD vs SWP

For reasons why SWP can be a better option over FD:

1. Return - FD typically help you earn around 7% where as MF schemes can help you earn 3-4 % more
2. ⁠Taxabity - The biggest reason. You have to pay tax on total income that you earn in a year on FD, where as in MF you pay tax on profits of the withdrawal amount. With his you save a lot of tax.
3. ⁠Risk - FD are considerable safer; however there are MF schemes where with reasonable risks one can make better returns.
4. ⁠Liquidity - FD matures on a date and if you withdraw early, you pay charges or get lesser interests; where as in MF you can withdraw money as and when needed at the market value of the funds. Hence it becomes highly flexible option.

I have an example where 1 crore invested in MF - SWP can make 61 lacs more over investment in FD.

Text me SWP for the same.

28/03/2026

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27/03/2026

https://www.instagram.com/reel/DWT5URKDHfb/?igsh=MWtmcmxybGxseDI2 BeingWealthy Financial ServicesMamta TrivediAmit Trivedi

26/03/2026

Honored to receive the Achievement Recognition Award! 🏆

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Grateful for this journey and looking forward to achieving many more milestones together! ✨

26/03/2026

May Lord Ram bless you with strength, wisdom, and happiness.

Happy Ram Navami! 🙏



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