| Retirement Plan - Actual Illustration: Equity Fund | |||||||
| Particulars | Amt (Rs.) | ||||||
| a. Investment | - | Particulars | Year 2 | Year 3 | |||
| b. Switch In | 1,024,382 | Withdrawal Amt | 168,000 | 104,000 | |||
| c. Switch Out | - | Withdrawal % | 16% | 10% | |||
| d. Redemption | 685,826 | ||||||
| e. Dividend Payout | - | ||||||
| f. Net Investment (a+b-c-d-e) | 338,556 | ||||||
| g. Market Value | 1,195,190 | ||||||
| h. Net Gain (g-f) | 856,634 | ||||||
| i. Lifetime XIRR (All Transactions) | 15.85% | ||||||
| Sr no. | Transaction type | Transaction date | Transaction amount | Transaction NAV | Transaction units | Balance units | Days |
| 1 | STP In | 22-02-2016 | 50,000 | 45.9199 | 1,088.85 | 1,088.85 | 1970 |
| 2 | STP In | 1/3/2016 | 50,000 | 44.8523 | 1,114.77 | 2,203.62 | 1962 |
| 3 | STP In | 8/3/2016 | 50,000 | 46.6979 | 1,070.71 | 3,274.34 | 1955 |
| 4 | STP In | 15-03-2016 | 50,000 | 46.8383 | 1,067.50 | 4,341.84 | 1948 |
| 5 | STP In | 22-03-2016 | 50,000 | 48.2152 | 1,037.02 | 5,378.85 | 1941 |
| 6 | STP In | 4/4/2016 | 50,000 | 49.1917 | 1,016.43 | 6,395.29 | 1928 |
| 7 | STP In | 11/4/2016 | 50,000 | 49.084 | 1,018.66 | 7,413.95 | 1921 |
| 8 | STP In | 18-04-2016 | 50,000 | 50.6151 | 987.848 | 8,401.80 | 1914 |
| 9 | STP In | 22-04-2016 | 50,000 | 50.6469 | 987.227 | 9,389.02 | 1910 |
| 10 | STP In | 2/5/2016 | 50,000 | 49.8689 | 1,002.63 | 10,391.65 | 1900 |
| 11 | STP In | 9/5/2016 | 50,000 | 49.6725 | 1,006.59 | 11,398.25 | 1893 |
| 12 | STP In | 16-05-2016 | 50,000 | 50.1354 | 997.299 | 12,395.54 | 1886 |
| 13 | STP In | 23-05-2016 | 50,000 | 48.7741 | 1,025.13 | 13,420.68 | 1879 |
| 14 | STP In | 1/6/2016 | 50,000 | 50.7313 | 985.585 | 14,406.26 | 1870 |
| 15 | STP In | 8/6/2016 | 50,000 | 51.6766 | 967.556 | 15,373.82 | 1863 |
| 16 | STP In | 15-06-2016 | 50,000 | 51.924 | 962.946 | 16,336.77 | 1856 |
| 17 | STP In | 22-06-2016 | 50,000 | 52.2296 | 957.312 | 17,294.08 | 1849 |
| 18 | STP In | 1/7/2016 | 50,000 | 54.0643 | 924.825 | 18,218.90 | 1840 |
| 19 | STP In | 8/7/2016 | 50,000 | 53.8874 | 927.861 | 19,146.76 | 1833 |
| 20 | STP In | 15-07-2016 | 50,000 | 54.5121 | 917.228 | 20,063.99 | 1826 |
| 21 | STP In | 22-07-2016 | 24,382 | 55.5162 | 439.178 | 20,503.17 | 1819 |
| Total Amount invested | 1,024,382 | ||||||
| 22 | Redemption | 7/3/2017 | 99,881 | 59.1072 | 1,689.85 | 18,813.32 | 1591 |
| 23 | Redemption | 10/3/2017 | 9,945 | 58.6871 | 169.466 | 18,643.86 | 1588 |
| 24 | Redemption | 24-07-2017 | 6,000 | 67.2663 | 89.199 | 18,554.66 | 1452 |
| 25 | Redemption | 22-08-2017 | 6,000 | 65.2408 | 91.968 | 18,462.69 | 1423 |
| 26 | Redemption | 22-09-2017 | 6,000 | 69.9823 | 85.737 | 18,376.95 | 1392 |
| 27 | Redemption | 23-10-2017 | 6,000 | 71.7477 | 83.627 | 18,293.33 | 1361 |
| 28 | Redemption | 1/11/2017 | 8,000 | 73.774 | 108.44 | 18,184.89 | 1352 |
| 29 | Redemption | 22-11-2017 | 6,000 | 73.638 | 81.48 | 18,103.41 | 1331 |
| 30 | Redemption | 1/12/2017 | 8,000 | 73.1892 | 109.307 | 17,994.10 | 1322 |
| 31 | Redemption | 22-12-2017 | 6,000 | 77.0822 | 77.84 | 17,916.26 | 1301 |
| 32 | Redemption | 1/1/2018 | 8,000 | 77.4396 | 103.307 | 17,812.95 | 1291 |
| 33 | Redemption | 22-01-2018 | 6,000 | 79.13 | 75.825 | 17,737.13 | 1270 |
| 34 | Redemption | 1/2/2018 | 8,000 | 77.3286 | 103.456 | 17,633.67 | 1260 |
| 35 | Redemption | 22-02-2018 | 6,000 | 72.0113 | 83.321 | 17,550.35 | 1239 |
| 36 | Redemption | 1/3/2018 | 8,000 | 73.1669 | 109.34 | 17,441.01 | 1232 |
| 37 | Redemption | 22-03-2018 | 6,000 | 69.6351 | 86.164 | 17,354.85 | 1211 |
| 38 | Redemption | 2/4/2018 | 8,000 | 71.6129 | 111.713 | 17,243.13 | 1200 |
| 39 | Redemption | 23-04-2018 | 6,000 | 75.179 | 79.81 | 17,163.32 | 1179 |
| 40 | Redemption | 2/5/2018 | 8,000 | 75.1297 | 106.484 | 17,056.84 | 1170 |
| 41 | Redemption | 22-05-2018 | 6,000 | 72.4801 | 82.782 | 16,974.06 | 1150 |
| 42 | Redemption | 1/6/2018 | 8,000 | 72.4193 | 110.469 | 16,863.59 | 1140 |
| 43 | Redemption | 22-06-2018 | 6,000 | 71.5521 | 83.856 | 16,779.73 | 1119 |
| 44 | Redemption | 2/7/2018 | 8,000 | 70.1473 | 114.047 | 16,665.69 | 1109 |
| 45 | Redemption | 23-07-2018 | 6,000 | 71.2112 | 84.257 | 16,581.43 | 1088 |
| 46 | Redemption | 1/8/2018 | 8,000 | 73.1851 | 109.313 | 16,472.12 | 1079 |
| 47 | Redemption | 23-08-2018 | 6,000 | 75.5632 | 79.405 | 16,392.71 | 1057 |
| 48 | Redemption | 3/9/2018 | 8,000 | 75.5957 | 105.827 | 16,286.88 | 1046 |
| 49 | Redemption | 24-09-2018 | 6,000 | 69.3427 | 86.528 | 16,200.36 | 1025 |
| 50 | Redemption | 1/10/2018 | 8,000 | 68.2271 | 117.257 | 16,083.10 | 1018 |
| 51 | Redemption | 22-10-2018 | 6,000 | 65.316 | 91.862 | 15,991.24 | 997 |
| 52 | Redemption | 1/11/2018 | 8,000 | 68.2511 | 117.215 | 15,874.02 | 987 |
| 53 | Redemption | 22-11-2018 | 6,000 | 68.7461 | 87.279 | 15,786.74 | 966 |
| 54 | Redemption | 3/12/2018 | 8,000 | 70.374 | 113.679 | 15,673.06 | 955 |
| 55 | Redemption | 24-12-2018 | 6,000 | 69.9989 | 85.716 | 15,587.35 | 934 |
| 56 | Redemption | 1/1/2019 | 8,000 | 71.3559 | 112.115 | 15,475.23 | 926 |
| 57 | Redemption | 22-01-2019 | 6,000 | 69.8298 | 85.924 | 15,389.31 | 905 |
| 58 | Redemption | 1/2/2019 | 8,000 | 68.4071 | 116.948 | 15,272.36 | 895 |
| 59 | Redemption | 22-02-2019 | 6,000 | 67.3188 | 89.129 | 15,183.23 | 874 |
| 60 | Redemption | 1/3/2019 | 8,000 | 69.0036 | 115.937 | 15,067.29 | 867 |
| 61 | Redemption | 22-03-2019 | 6,000 | 72.7309 | 82.497 | 14,984.80 | 846 |
| 62 | Redemption | 1/4/2019 | 8,000 | 74.7614 | 107.008 | 14,877.79 | 836 |
| 63 | Redemption | 22-04-2019 | 6,000 | 73.5883 | 81.536 | 14,796.25 | 815 |
| 64 | Redemption | 2/5/2019 | 8,000 | 73.6059 | 108.688 | 14,687.57 | 805 |
| 65 | Redemption | 22-05-2019 | 6,000 | 73.7801 | 81.324 | 14,606.24 | 785 |
| 66 | Redemption | 3/6/2019 | 8,000 | 76.701 | 104.302 | 14,501.94 | 773 |
| 67 | Redemption | 24-06-2019 | 6,000 | 74.078 | 80.997 | 14,420.94 | 752 |
| 68 | Redemption | 1/7/2019 | 8,000 | 75.2948 | 106.25 | 14,314.69 | 745 |
| 69 | Redemption | 22-07-2019 | 6,000 | 71.7049 | 83.677 | 14,231.02 | 724 |
| 70 | Redemption | 1/8/2019 | 8,000 | 69.0193 | 115.911 | 14,115.10 | 714 |
| 71 | Redemption | 22-08-2019 | 6,000 | 66.1996 | 90.636 | 14,024.47 | 693 |
| 72 | Redemption | 3/9/2019 | 8,000 | 67.1427 | 119.149 | 13,905.32 | 681 |
| 73 | Redemption | 23-09-2019 | 6,000 | 74.0294 | 81.049 | 13,824.27 | 661 |
| 74 | Redemption | 1/10/2019 | 8,000 | 71.6131 | 111.713 | 13,712.56 | 653 |
| 75 | Redemption | 22-10-2019 | 6,000 | 72.6352 | 82.605 | 13,629.95 | 632 |
| 76 | Redemption | 1/11/2019 | 8,000 | 74.5953 | 107.246 | 13,522.71 | 622 |
| 77 | Redemption | 22-11-2019 | 6,000 | 73.9791 | 81.105 | 13,441.60 | 601 |
| 78 | Redemption | 2/12/2019 | 8,000 | 74.4687 | 107.429 | 13,334.17 | 591 |
| 79 | Redemption | 23-12-2019 | 6,000 | 74.8647 | 80.145 | 13,254.03 | 570 |
| 80 | Redemption | 1/1/2020 | 8,000 | 75.2461 | 106.319 | 13,147.71 | 561 |
| 81 | Redemption | 22-01-2020 | 6,000 | 75.8133 | 79.143 | 13,068.57 | 540 |
| 82 | Redemption | 3/2/2020 | 8,000 | 73.476 | 108.88 | 12,959.69 | 528 |
| 83 | Redemption | 24-02-2020 | 6,000 | 75.5077 | 79.463 | 12,880.22 | 507 |
| 84 | Redemption | 2/3/2020 | 8,000 | 70.826 | 112.954 | 12,767.27 | 500 |
| 85 | Redemption | 23-03-2020 | 6,000 | 48.2227 | 124.424 | 12,642.84 | 479 |
| 86 | Redemption | 1/4/2020 | 8,000 | 51.2661 | 156.05 | 12,486.79 | 470 |
| 87 | Redemption | 22-04-2020 | 6,000 | 57.4077 | 104.517 | 12,382.28 | 449 |
| 88 | Redemption | 4/5/2020 | 8,000 | 57.166 | 139.945 | 12,242.33 | 437 |
| 89 | Redemption | 22-05-2020 | 6,000 | 55.6914 | 107.738 | 12,134.59 | 419 |
| 90 | Redemption | 1/6/2020 | 8,000 | 60.3044 | 132.662 | 12,001.93 | 409 |
| 91 | Redemption | 22-06-2020 | 6,000 | 64.246 | 93.392 | 11,908.54 | 388 |
| 92 | Redemption | 1/7/2020 | 8,000 | 64.2164 | 124.58 | 11,783.96 | 379 |
| 93 | Redemption | 3/8/2020 | 8,000 | 67.9731 | 117.695 | 11,666.27 | 346 |
| 94 | Redemption | 1/9/2020 | 8,000 | 72.4692 | 110.393 | 11,555.87 | 317 |
| 95 | Redemption | 1/10/2020 | 8,000 | 72.0782 | 110.992 | 11,444.88 | 287 |
| 96 | Redemption | 2/11/2020 | 8,000 | 72.7223 | 110.009 | 11,334.87 | 255 |
| 97 | Redemption | 1/12/2020 | 8,000 | 82.2846 | 97.225 | 11,237.65 | 226 |
| 98 | Redemption | 1/1/2021 | 8,000 | 88.0018 | 90.908 | 11,146.74 | 195 |
| 99 | Redemption | 1/2/2021 | 8,000 | 90.4106 | 88.486 | 11,058.25 | 164 |
| 100 | Redemption | 1/3/2021 | 8,000 | 96.9436 | 82.523 | 10,975.73 | 136 |
| 101 | Redemption | 1/4/2021 | 8,000 | 97.353 | 82.176 | 10,893.55 | 105 |
| 102 | Redemption | 3/5/2021 | 8,000 | 97.2648 | 82.251 | 10,811.30 | 73 |
| 103 | Redemption | 1/6/2021 | 8,000 | 104.5755 | 76.501 | 10,734.80 | 44 |
| 104 | Redemption | 1/7/2021 | 8,000 | 108.5805 | 73.679 | 10,661.12 | 14 |
| Total Redemption | 685,826 | ||||||
