Latest news with #Withdrawal
News18
3 days ago
- Business
- News18
SWP Vs Annuity: What's The Better Choice for Retirement Income?
A Systematic Withdrawal Plan, allowing investors to withdraw a fixed amount from their mutual fund scheme at regular intervals, is a flexible investment tool. Systematic Withdrawal Plan (SWP) is a facility offered by companies to mutual fund investors, wherein they can withdraw a specific amount from their investment at regular intervals. Annuities, on the other hand, allow investors to assure sums in products offered by life insurance companies that enable a stable and sustained income flow to build a significant enough retirement corpus. Even after the amount is withdrawn, the SWP model allows the remaining investment in the mutual fund to continue earning returns in the market. It is a flexible option, where investors can choose the withdrawal frequency and amount depending on the changes in the market conditions. In comparison, annuities are less flexible but often preferred by those seeking fixed and secure retirement funds. Here's what you need to understand about both SWP and Annuity before choosing one. Systematic Withdrawal Plan Flexibility: A Systematic Withdrawal Plan, allowing investors to withdraw a fixed amount from their mutual fund scheme at regular intervals, is a flexible investment tool. Here, investors can tailor the frequency and sum of withdrawals as per their immediate or future needs. Tax Efficiency: An investor can structure their withdrawals in the SWP model in such a way as to avoid heavy tax liabilities and get better returns. Market Risk: Despite all the benefits, however, the SWP is not short of risk to withdrawals as investment value can fluctuate with market conditions. Investors may also need active management and understanding of the market to optimise their withdrawals over time. Annuities Guaranteed Income: The annuities offered by insurance companies for retiring individuals provide fixed, regular and guaranteed payments, which can be availed of for life or a pre-described period in the scheme. Protection Against Inflation: Some annuities are capable of preserving the purchasing power of the retiring individual and their income by adjusting financial values to account for inflation in a given market. Minimal Management: Since the insurance company handles all the payouts made, annuities require minimal management upon purchasing. Lower Growth Potential: While accessible and easy to manage, annuities come with lower growth potential than investment tools in the financial market. Inflexibility: An investor can't alter the terms of the annuity scheme or access the lump sum without penalties. They also come with various fees involved, which may reduce the value of the investment. Location : Delhi, India, India First Published: August 07, 2025, 16:03 IST News business SWP Vs Annuity: What's The Better Choice for Retirement Income? Disclaimer: Comments reflect users' views, not News18's. Please keep discussions respectful and constructive. Abusive, defamatory, or illegal comments will be removed. News18 may disable any comment at its discretion. By posting, you agree to our Terms of Use and Privacy Policy.
News18
3 days ago
- Business
- News18
Systematic Withdrawal Plans vs Annuities: Features, Risks And Returns Explained
A Systematic Withdrawal Plan, allowing investors to withdraw a fixed amount from their mutual fund scheme at regular intervals, is a flexible investment tool. Systematic Withdrawal Plan (SWP) is a facility offered by companies to mutual fund investors, wherein they can withdraw a specific amount from their investment at regular intervals. Annuities, on the other hand, allow investors to assure sums in products offered by life insurance companies that enable a stable and sustained income flow to build a significant enough retirement corpus. Even after the amount is withdrawn, the SWP model allows the remaining investment in the mutual fund to continue earning returns in the market. It is a flexible option, where investors can choose the withdrawal frequency and amount depending on the changes in the market conditions. In comparison, annuities are less flexible but often preferred by those seeking fixed and secure retirement funds. Here's what you need to understand about both SWP and Annuity before choosing one. Systematic Withdrawal Plan Flexibility: A Systematic Withdrawal Plan, allowing investors to withdraw a fixed amount from their mutual fund scheme at regular intervals, is a flexible investment tool. Here, investors can tailor the frequency and sum of withdrawals as per their immediate or future needs. Customisation: The withdrawal facility in a mutual fund gives investors control over their investment portfolio, including the chance to make adjustments as per their requirements. Tax Efficiency: An investor can structure their withdrawals in the SWP model in such a way as to avoid heavy tax liabilities and get better returns. Market Risk: Despite all the benefits, however, the SWP is not short of risk to withdrawals as investment value can fluctuate with market conditions. Investors may also need active management and understanding of the market to optimise their withdrawals over time. Annuities Guaranteed Income: The annuities offered by insurance companies for retiring individuals provide fixed, regular and guaranteed payments, which can be availed of for life or a pre-described period in the scheme. Protection Against Inflation: Some annuities are capable of preserving the purchasing power of the retiring individual and their income by adjusting financial values to account for inflation in a given market. Minimal Management: Since the insurance company handles all the payouts made, annuities require minimal management upon purchasing. Lower Growth Potential: While accessible and easy to manage, annuities come with lower growth potential than investment tools in the financial market. Inflexibility: An investor can't alter the terms of the annuity scheme or access the lump sum without penalties. They also come with various fees involved, which may reduce the value of the investment. Location : Delhi, India, India First Published: August 07, 2025, 14:38 IST News business Systematic Withdrawal Plans vs Annuities: Features, Risks And Returns Explained Disclaimer: Comments reflect users' views, not News18's. Please keep discussions respectful and constructive. Abusive, defamatory, or illegal comments will be removed. News18 may disable any comment at its discretion. By posting, you agree to our Terms of Use and Privacy Policy.
Powys County Times
4 days ago
- Business
- Powys County Times
Lidl chicken product recalled due to potential 'health risk'
Lidl has warned some of its customers not to eat one of its chicken products as it issued a food recall for health reasons. The budget supermarket giant is recalling its Red Hen Tempura Chicken Steaks because they may contain milk which is not emphasises in bold on the label. As a result, the chicken is a possible health risk for anyone with an allergy or intolerance to milk or milk constituents. The recall affects the 380g four-packs of the chicken steaks, the best before dates of December 11, 2026, December 16, 2026, December 22, 2026, December 30, 2026, and January 17, 2027. Friday 1 August 2025. Lidl recalls Red Hen 4 Tempura Chicken Steaks because milk is not emphasised on the label #FoodAllergy — Food Standards Agency (@foodgov) August 1, 2025 A Lidl spokesman said: 'Lidl GB is recalling the above-mentioned product due to milk not being in bold with the back of pack ingredients. 'This may be a possible health risk for anyone with an allergy to milk. 'If you have bought the above product and have an allergy to milk we advise you not to eat it. 'Customers are asked to return this product to the nearest store where a full refund will be given. 'We apologise for any inconvenience caused and thank you for your cooperation. 'For further information, contact Customer Care on or 0203 966 5566.' A spokesman for the Food Standards Agency (FSA) added: 'If you have bought the above product and have an allergy or intolerance to milk or milk constituents, do not eat it. Instead return it to the store from where it was bought for a full refund.' Recommended Reading: What is a product recall? If there is a problem with a food product that means it should not be sold, then it might be 'withdrawn' (taken off the shelves) or 'recalled' (when customers are asked to return the product). The FSA issues Product Withdrawal Information Notices and Product Recall Information Notices to let consumers and local authorities know about problems associated with food. In some cases, a 'Food Alert for Action' is issued.
Glasgow Times
09-07-2025
- Health
- Glasgow Times
'Do not eat': Popular pastries recalled after allergy alert
The sweet pastry treats, which look like custard-filled Danish pastries, are a possible health risk for anyone with an allergy to hazelnuts (nuts). The 12 x 50g packs, batch code 224934, best before January 2026 are being recalled. Point of sale notices will be displayed in all retail stores that are selling this product. These notices explain to customers why the product is being recalled and tell them what to do if they have bought the product. (Image: Getty Images/iStockphoto) What to do if you have bought them If you have bought the above product and have an allergy to hazelnuts (nuts) do not eat it. Instead return it to the store from where it was bought for a full refund. For more information, please telephone Woodstock Foods on 0787 639 4406. Ref: FSA-AA-35-2025 Recommended Reading: What is a product recall? If there is a problem with a food product that means it should not be sold, then it might be 'withdrawn' (taken off the shelves) or 'recalled' (when customers are asked to return the product). The FSA issues Product Withdrawal Information Notices and Product Recall Information Notices to let consumers and local authorities know about problems associated with food. In some cases, a 'Food Alert for Action' is issued. This provides local authorities with details of specific actions to be taken on behalf of consumers. What is an Allergy Alert? Sometimes there will be a problem with a food product that means it should not be sold. Then it might be 'withdrawn' (taken off the shelves) or 'recalled' (when customers are asked to return the product). Sometimes foods have to be withdrawn or recalled if there is a risk to consumers because the allergy labelling is missing or incorrect or if there is any other food allergy risk. When there is a food allergy risk, the FSA will issue an Allergy Alert.
Powys County Times
09-07-2025
- Health
- Powys County Times
'Do not eat': Popular pastries recalled after allergy alert
Woodstock Foods is recalling its Woodstock Vanilla Crème Crowns because of undeclared hazelnuts. The sweet pastry treats, which look like custard-filled Danish pastries, are a possible health risk for anyone with an allergy to hazelnuts (nuts). The 12 x 50g packs, batch code 224934, best before January 2026 are being recalled. Point of sale notices will be displayed in all retail stores that are selling this product. These notices explain to customers why the product is being recalled and tell them what to do if they have bought the product. What to do if you have bought them If you have bought the above product and have an allergy to hazelnuts (nuts) do not eat it. Instead return it to the store from where it was bought for a full refund. For more information, please telephone Woodstock Foods on 0787 639 4406. Ref: FSA-AA-35-2025 What is a product recall? If there is a problem with a food product that means it should not be sold, then it might be 'withdrawn' (taken off the shelves) or 'recalled' (when customers are asked to return the product). The FSA issues Product Withdrawal Information Notices and Product Recall Information Notices to let consumers and local authorities know about problems associated with food. In some cases, a 'Food Alert for Action' is issued. This provides local authorities with details of specific actions to be taken on behalf of consumers. What is an Allergy Alert? Sometimes there will be a problem with a food product that means it should not be sold. Then it might be 'withdrawn' (taken off the shelves) or 'recalled' (when customers are asked to return the product). Sometimes foods have to be withdrawn or recalled if there is a risk to consumers because the allergy labelling is missing or incorrect or if there is any other food allergy risk. When there is a food allergy risk, the FSA will issue an Allergy Alert.
