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By:

Minal Sancheti

2 May 2026 at 12:26:53 pm

Funeral for animals

Mumbai: On the occasion of National Animal Rights Day, a funeral was held for all the voiceless creatures that humans have killed for selfish reasons. The act was a campaign and was a brainchild of Animal Climate and Health in collaboration with Our Planet Theirs Too. The purpose was to spread awareness about animal cruelty. The campaign took place at Carter Road Amphitheatre and so a crowd of both young and old supported the cause. Speaking about animal cruelty, recently the internet was...

Funeral for animals

Mumbai: On the occasion of National Animal Rights Day, a funeral was held for all the voiceless creatures that humans have killed for selfish reasons. The act was a campaign and was a brainchild of Animal Climate and Health in collaboration with Our Planet Theirs Too. The purpose was to spread awareness about animal cruelty. The campaign took place at Carter Road Amphitheatre and so a crowd of both young and old supported the cause. Speaking about animal cruelty, recently the internet was flooded with a viral video of a group of men at Mira Road taking a piglet to a locality where goats were brought for religious sacrifice. Aparjita Ashish, the founder and director of Animal Climate and Health said, “It is an act of cruelty to kill animals for religious sacrifice but to protest against this they were harassing a baby pig. The poor pig was screaming for his life. So how’s that right? If you want to protest, protest peacefully.” Ashish also comments on the Apex Judiciary’s decision of euthanising terminally ill dogs, “If the dog has a serious illness like rabies and is in a lot of pain, with a doctor’s permission and in a peaceful manner, they should be euthanised. The apex court also spoke about the ABC or animal birth control which if done with correct procedures, can help bring down issues related to the stray dogs. Many times the process is wrong so the animals become subject to cruelty.” She even added that the strays should not be displaced as that will leave them confused. This is also an act of ill treatment. The occasion saw a large number of gatherers. According to the campaigners, being vegan is not just for protecting animals but also for the climate. Ashish explained, “If you see the name of our NGO, it is Animal Climate and Health. So we also talk about the impact of consuming animal products on the environment.” She gives an example of how methane gas is produced because of the dairy animals and how the food and resources to breed animals are so much that it affects the environment. The supporters who participated in the campaign said they also noticed many health benefits of going vegan. Anil Nagpal, a senior citizen and volunteer with the organisation said, “For many years I was going through ill health. I tried every treatment but nothing really helped much. But then someone convinced me to go vegan and since that time my health has improved drastically. After this many people in my circles who used to eat animal products have given up.” When asked what his protein sources are, he said, “I eat lentils and legumes. Vegetables also contain protein.” Ashish claimed that humans have an ego that makes them think they are above animals.

SIP vs STP vs SWP

In mutual funds, investors often hear three important terms - SIP, STP and SWP. These may sound technical, but they are actually simple and powerful facilities provided by mutual funds. They help investors invest, transfer and withdraw money in a disciplined and automated manner.


Systematic Investment Plan

This is the most commonly known concept. In an SIP, a fixed amount is automatically debited from your bank account on a fixed date and invested into selected mutual fund schemes.


For example, if a 30-year-old investor starts investing INR 10,000 per month for retirement and continues till the age of 55, the investment period is 25 years. Assuming a long-term return of around 12% per annum, this monthly investment can grow to approximately INR 1.70 crores.


Please note, INR 10,000 is only a small amount used for illustration. Your SIP amount should be sufficient for your goals. Ideally, investors should try to invest at least 30% of their in-hand monthly income.


The biggest benefit of SIP is discipline. You do not have to remember to invest every month. The process is automated. SIP also helps you invest through market ups and downs, reducing the stress of timing the market. That is why SIP is also popularly called Sapna-In-Progress.


Systematic Transfer Plan

In SIP, money moves from your bank account to a mutual fund. In STP, money moves from one mutual fund scheme to another.


This is especially useful when you have a lumpsum amount but do not want to invest it into equity funds in one shot. For example, an investor has INR 20 lakhs to invest for the long term. He may worry about market volatility if the entire amount is invested at one go.


In such a case, the money can first be parked in a debt mutual fund, and then gradually transferred to an equity mutual fund through STP. For example, INR 40,000 can be transferred every week over around 50 weeks. STP is flexible in terms of duration, frequency, amount and choice of schemes.


STP gives comfort, automation and gradual participation in equity markets.


Systematic Withdrawal Plan

This is the exact reverse of SIP. In SIP, money goes from your bank account to a mutual fund. In SWP, money comes from your mutual fund to your bank account at regular intervals.


SWP can be very useful after retirement. Suppose an investor has built a corpus of around INR 10 crores by the age of 55. He can set up an SWP to receive, say, INR 5 lakhs per month for his regular expenses.


If the corpus is invested wisely with proper asset allocation, the investor can receive regular income and still allow the balance corpus to grow over time. To understand the power of this, consider an actual scheme’s past performance. A corpus of INR 10 crores would have grown to around INR 30 crores over 15 years, even after the investor withdrew INR 5 lakhs every month.


In simple words, SIP helps you invest regularly, STP helps you transfer wisely, and SWP helps you withdraw systematically.


Used properly, these three tools can make wealth creation and retirement planning more disciplined, automated and peaceful.


(The author is Chartered Accountant and CFA (USA). Financial advisor. Views personal. He could be reached on 9833133605)

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