Corpus after the first-year fall
₹1.05 Cr
The same withdrawals then continue at 7%. Sequence — when the bad year arrives — can matter more than the average return.
A simple sequence-of-returns sketch: a fall in year one, then your usual assumed return, while withdrawals continue.
Compare remaining corpus with and without the crash. The same average return can leave you in very different places if the bad year comes first.
Figures are illustrative, based only on the assumptions you type. They are not a forecast, guarantee, tax computation or a recommendation to buy any product.
Corpus after the first-year fall
₹1.05 Cr
The same withdrawals then continue at 7%. Sequence — when the bad year arrives — can matter more than the average return.
Left without a crash
₹4.54 Cr
Left after the crash path
₹1.89 Cr
Difference
₹2.65 Cr
Stressed path lasts
Full period
A bad year first, then your usual assumption