₹20,000 SIP for 25 Years: Build ₹3.8 Cr, Get ₹1.5 Lakh Monthly Retirement Income!

• A ₹20,000 monthly SIP for 25 years, with a 12% annual return, can grow to ₹3.8 crore from a ₹60 lakh investment.
• The SIP to SWP strategy involves accumulating wealth during earning years and then drawing a regular income post-retirement.
• A 5% annual withdrawal from ₹3.8 crore yields ₹1.58 lakh monthly, with the remaining capital continuing to grow at 8%.
• SWP offers tax efficiency, combats inflation, and prevents misuse of lump-sum funds, unlike full withdrawal.
• Financial advisors recommend a "Three-Bucket Strategy" for portfolio diversification before retirement for balanced income and growth.