SIP in reverse, with a cliff
Start with a corpus, withdraw a fixed monthly amount, assume a return. If withdrawals beat returns, the balance hits zero and the strip says which month. Sequence-of-returns risk (a crash in year one) is not modelled — this is a constant-return cartoon.
Worked example: ₹50 lakh, ₹30,000/month, 7%, 20 years
See whether it survives. If it runs out in month 142, the withdrawal is too proud.
Questions
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