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If you invest ₹1 crore in a mutual fund with an expected 12% annual return, your withdrawals will impact the fund’s longevity as follows: Withdrawing ₹2,50,000 per month will exhaust the fund in 4.25 years. Withdrawing ₹2,00,000 per month will exhaust the fund in 5.75 years. Withdrawing ₹1,50,000 per month will exhaust the fund in 8.92 years. Withdrawing ₹1,00,000 per month will exhaust the fund in 26.25 years. 💰 It will never last: ✔ Withdrawing ₹94,895 per month ensures the fund never depletes. ✅ Start withdrawals after one year to avoid short-term capital gains tax. 📉📈 Since market returns fluctuate, withdraw less during downturns and more during bull markets for better sustainability.