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Calspectra: Session Report

The session focuses on generating a monthly income of 1 lakh INR through a Systematic Withdrawal Plan (SWP) with an initial investment of 70,000 INR. Recommendations include increasing the initial investment to at least 1.5 crore INR and diversifying the portfolio to balance risk and returns. The current investment strategy is deemed high risk and may not meet the desired income goal.

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9 views2 pages

Calspectra: Session Report

The session focuses on generating a monthly income of 1 lakh INR through a Systematic Withdrawal Plan (SWP) with an initial investment of 70,000 INR. Recommendations include increasing the initial investment to at least 1.5 crore INR and diversifying the portfolio to balance risk and returns. The current investment strategy is deemed high risk and may not meet the desired income goal.

Uploaded by

balagowshikwork
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as PDF, TXT or read online on Scribd

SESSION REPORT

Title:

a
Generating Monthly Income Through SWP

Session Type:
tr
ec
Guided Exploration
sp

Category:
Investment
al

Duration:
N/A
C

Strategy:
- Increase the initial investment to at least 1.5 crore INR for a monthly income of 1 lakh
INR.
- Diversify the investment portfolio to include a mix of debt and equity funds.

AI Notes:
- The user's current investment plan may not yield the desired monthly income.
- Diversification can help balance risk and returns.

Next Steps:
©Calspectra is an AI-based personal finance companion.
It does not offer financial, legal, or tax advice. All recommendations are for informational purposes only. Page 1
- Review financial goals and risk appetite by end of this month.
- Consult with a financial advisor to explore higher initial investment options by next
week.

Dynamic Data:
Initial Investment: 70,000 INR
Desired Monthly Income: 1 lakh INR
Average Return: 70,000 INR
Investment Horizon: N/A

a
Executive Summary:

tr
The user aims to generate a monthly income of 1 lakh INR through a Systematic
Withdrawal Plan (SWP) with an initial investment of 70,000 INR. It is recommended to
ec
increase the initial investment and diversify the portfolio.

Risk Assessment:
sp

The current plan carries a high risk of not meeting the income goal due to the low initial
investment. Market volatility could also impact returns.
al

Projected Outcome:
An initial investment of approximately 1.5 crore INR with an 8% annual return
C

could generate the desired monthly income.

Advisor Action Items:


- Verify the user's risk tolerance and financial goals.
- Ensure compliance with investment regulations and policies.

Client Preferences:
The user prefers a high monthly income through SWP.

©Calspectra is an AI-based personal finance companion.


It does not offer financial, legal, or tax advice. All recommendations are for informational purposes only. Page 2

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