Guides
Systematic withdrawal plans, explained simply
Short, practical guides to taking an income from your investments — with real numbers you can reproduce in the calculator.
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What Is SWP? Systematic Withdrawal Plan Meaning, How It Works and Examples
An SWP (Systematic Withdrawal Plan) is an instruction to redeem a fixed amount from your mutual fund every month, quarter or year, so you receive a regular income while the rest of your money stays invested.
SWP with Inflation: Why Your Withdrawal Needs a Yearly Step-Up
A flat SWP loses buying power every year. See how inflation erodes a ₹30,000 monthly SWP, how a step-up fixes it, and how to find a withdrawal that lasts.
5 min read
How SWP Is Taxed in India (FY 2025-26): Equity, Hybrid and Debt Funds
SWP taxation in India explained: only the capital gain in each withdrawal is taxed. STCG, LTCG, the ₹1.25 lakh exemption, debt fund rules and a worked example.
6 min read
SWP vs FD for Monthly Income: Which Is Better for Retirees?
SWP vs fixed deposit for monthly income: returns, tax, inflation and risk compared with a ₹50 lakh example. See why an SWP can leave you with more after tax.
6 min read
SIP vs SWP: Differences, Which Is Better, and How to Use Both
SIP vs SWP explained simply: one builds wealth, the other turns it into income. Key differences, a side-by-side table and a 45-year example combining both.
5 min read
The 4% Rule and Safe Withdrawal Rates: How Much Can You Withdraw?
What the 4% rule is, where it comes from, whether it still works, and how to find a safe SWP withdrawal rate for your own portfolio, with worked examples.
6 min read
Which Mutual Funds Are Best for SWP? A Guide by Fund Category
How to choose a mutual fund for an SWP: balanced-advantage, hybrid, debt and equity funds compared on returns, volatility and tax, plus a bucket strategy.
6 min read
SWP vs IDCW (Dividend Option): Which Gives Better Monthly Income?
SWP vs IDCW compared: control over payouts, tax treatment, predictability and NAV impact. Why an SWP from the growth option usually beats the dividend option.
4 min read