When you stop working, your money should start working for you.
A Systematic Withdrawal Plan (SWP) from mutual funds gives you monthly income — like a pension.
Example:
- Retirement corpus = ₹1 Crore
- Withdrawal = ₹50 000/month
- Expected return = 9 %
Your money can last for 25–30 years easily — and even grow!
Unlike FDs, SWP returns are taxed only on the withdrawn gain, not the whole amount.
So your wealth stays invested, earning quietly while you withdraw peacefully.