Retirement planning doesn't end when you accumulate wealth. The next challenge is converting that wealth into a reliable, tax-efficient monthly income that can last throughout retirement.
A Systematic Withdrawal Plan (SWP) allows you to withdraw a fixed amount every month while the remaining investment continues to participate in market growth.
A Systematic Withdrawal Plan allows you to withdraw a fixed amount every month from your mutual fund investments while the remaining balance continues to stay invested. This helps generate regular cash flow without redeeming your entire investment at once.
Invest regularly through SIPs during your working years to create a sizeable retirement corpus.
Once you retire, stop SIPs and switch to an income strategy designed for retirement.
Withdraw a fixed amount every month while the remaining investment continues to participate in market growth.
Review withdrawals, asset allocation and inflation every year to keep your retirement plan on track.
Instead of investing your entire retirement corpus in one place, we divide it into different investment buckets based on risk, liquidity and expected returns.
Liquid Funds / Ultra Short Duration Funds
This bucket provides monthly SWP withdrawals and generally contains 12–24 months of expected income.
Short Duration Debt Funds / Banking & PSU Debt Funds
Refills Bucket 1 whenever required while providing relatively stable returns.
Hybrid Funds / Balanced Advantage Funds
Designed to beat inflation with moderate volatility over the medium term.
Flexi Cap / Index Funds / Large Cap Equity Funds
Generates long-term growth to help your retirement income last for decades.
Download or view the detailed presentation explaining our bucket strategy for creating lifelong retirement income through mutual funds.
A carefully planned SWP strategy can provide regular income, help combat inflation and allow your retirement corpus to continue growing over the long term.
Receive a fixed monthly income directly into your bank account through a Systematic Withdrawal Plan.
Equity and hybrid investments have the potential to help your retirement corpus grow over time, supporting long-term purchasing power.
Depending on the investment, holding period and prevailing tax laws, SWP withdrawals may be more tax-efficient than interest income from traditional fixed-income products.
Your investments continue to be professionally managed while providing regular monthly withdrawals.
Your retirement corpus can be spread across debt, hybrid and equity funds to balance growth and stability.
We review your portfolio every year and make adjustments whenever required.
| Feature | Fixed Deposit | Mutual Fund SWP |
|---|---|---|
| Monthly Income | ✔ | ✔ |
| Potential Inflation Protection | Limited | Higher Potential |
| Potential Capital Growth | Low | Possible |
| Professional Fund Management | No | Yes |
| Diversification | No | Yes |
| Liquidity | Limited | High |
Yes. A Systematic Withdrawal Plan allows you to withdraw a predetermined amount every month.
The remaining investment continues to stay invested in the selected mutual fund schemes and may participate in market growth, although returns are not guaranteed.
Yes. The withdrawal amount can generally be modified depending on your financial requirements and the applicable scheme facilities.
No. SWPs may also be useful for investors seeking regular cash flow, subject to their financial goals and circumstances.
Let's estimate your retirement corpus, build an appropriate asset allocation strategy and design a Systematic Withdrawal Plan that supports your long-term financial goals.
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