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SWP for Retirement Income

SWP (Systematic Withdrawal Plan) lets you redeem mutual fund units monthly for retirement income. At 4% annual withdrawal, ₹1 crore provides roughly ₹33,333/month initially.

Key Takeaways

  • •SWP is decumulation — opposite of SIP
  • •Use conservative withdrawal rates in India
  • •Debt/hybrid funds common for SWP
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FAQ

SWP vs annuity?

SWP offers flexibility; annuities offer guaranteed income but less liquidity. Educational comparison only.

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