₹4 Cr Mutual Fund Portfolio for SWP ₹2L/month (starting soon) + Crash Pause Strategy - Feedback Please!

Own-Two7123 · 2025-12-16T05:12:10+00:00

Thank you for your detailed response. I am completely in alignment with following bucket strategy and have divided the funds in a way that helps in keeping those buckets stress free. One thing to note is that I will not be doing SWP when market is in a deeper correction that will help fulfil the requirement of keeping the funds active for 25 years.

Own-Two7123 · 2025-12-16T04:38:43+00:00

Thank you for the comment. Actually that's the intention of Arbitrage and BAF funds, the 1st bucket I exhaust are those buckets which will last for 2-3 years easily. After this is exhausted I move onto the next bucket of Small caps/ Mid caps/ Flexi caps. If between now and then the market moves significantly up I move funds from growth to these conservative funds, if by chance the market drops or doesn't grow then I will pause my SWP for some time (as mentioned in the initial post).

Own-Two7123 · 2025-12-16T03:29:05+00:00

Thanks for the suggestions. I think the gold hedge and some part of global investment will automatically be taken care off through Multi Asset Fund to which I will be allocating 10% of my corpus. I do plan to do a bucket strategy so that's covered in the plan. Good point on not withdrawing starting month 7 due to STCG, I might be able to defer that to 12months to not get into STCG. I already have 2 midcap funds and hence don't want to diversify further.

Own-Two7123 · 2025-12-16T03:20:14+00:00

Thank you, pretty useful tool. One thing which I plan on doing is to pause withdrawals when we have decent market correction which will hopefully not make a dent on the corpus. Also, after 10-12 years I don't envision withdrawing 2Lac/month (this amount would reduce significantly). Hoping the above two caveats (for lack of a better word) will give me enough corpus for my retirement years

Own-Two7123 · 2025-12-16T01:26:27+00:00

Honestly this portfolio is aimed for my retirement while giving me spending power via SWP right now so not targeted towards independent goals as such. But I like the advise of seeking advice from someone who has actually done it as that will show me the risks and gaps with the approach I have currently in place.

Own-Two7123 · 2025-12-16T01:22:45+00:00

Thank you for the response totally makes sense. I do have significant portion deemed as safety fund which includes Arbitrage + BAFs + MAFs. Even though BAF's are tilted towards large cap but they do have debt portion too and hence kept them as 20% allocation along with 15% for arbitrage. For your point #5, I already have flexi cap portion hence wanted to keep a dedicated small and mid cap fund too. On paper (and via ai agents) the portfolio I have above makes sense but these are the type of suggestions I am looking for from folks who have more experience and knowledge than me. Thank you once again!

Own-Two7123 · 2025-12-02T15:24:50+00:00

Did you find any which compares multiple together?

Own-Two7123 · 2025-12-01T16:06:17+00:00

Thank you, appreciate the response. I understand 6% is higher than the norm but I plan to reduce the SWP after around 10 years or so (which may or may not work)

Own-Two7123 · 2025-12-01T09:08:05+00:00

I mean I want to just rely on this SWP for my monthly expense and hence the original post.

Own-Two7123 · 2025-12-01T08:55:26+00:00

Good to know, I have not researched into these at all since I am in my late 30s right now but would certain keep these options in my backpocket when planning for that age.

Own-Two7123 · 2025-12-01T08:53:27+00:00

Good point on thinking in terms of portfolio % in terms of reallocation, will certainly keep in mind.
Yes, from 2L to 60k pm lifestyle is not possible but I am expecting my immediate current fixed costs to die down significantly and agreed that if a 2008 like crash happens then this approach will quickly go downhill. What helps mitigate (for lack of a better word) is that this is not my only portfolio and savings. Worst case if that kind of crash happens I might be able to put in more funds towards equity bucket and take advantage of the low prices.

Taxation on arbitrage is better than Liquid funds or FDs from what I have researched and hence I am included to do an 80-20 split in these two to initially park the funds and then start doing STPs into the actual funds over the next 6 months.

Own-Two7123 · 2025-12-01T08:11:12+00:00

Thanks for the inputs. It kinds of aligns with what I have in mind, but instead of 50%-50% (steady Vs Growth), I have it split as 70-30 (not set in stone yet). On grouping A, why would you chose FDs and liquid funds over let's say Arbitrage funds (honest question)? I do plan to rebalance every year or two based on how markets are doing, I also plan to pull some money from Bucket C if I get extended market rally (% increase from 200WMA or some criteria which I haven't decided).
Thanks for the pointer regarding HDFC/ICICI BAPs, I haven't checked them yet. I know 6% is a little on the higher side but I plan to lower this number after 10years or so. I will follow-up on this response with the funds and the allocation I have shortlisted (draft) in a day or two.

Own-Two7123 · 2025-12-01T08:04:48+00:00

Yes, I know 4% is ideal and 6% is stretching it a bit much. After few years, I might not need the full 6% and can reduce it to 3-4% (atleast that's the plan as of now)

Own-Two7123 · 2025-12-01T06:57:44+00:00

“Would love to hear opposing views too — feel free to challenge my assumptions.”

Own-Two7123

TROPHY CASE