SIP+SWP For Retirement Planning: Rs 14,000 monthly SIP investment for 20 years, then Rs 1,07,500 monthly income for 20 years; learn all about it
You can combine SIP and SWP for a steady income. Invest a fixed amount regularly through SIP and withdraw a fixed amount at regular intervals through SWP. This way, you'll get a regular income for years to meet your needs.
SIP (Systematic Investment Plan) and SWP (Systematic Withdrawal Plan) are two smart ways to plan for retirement. SIP helps you save for retirement by investing small amounts regularly in mutual funds. Over time, your money grows and becomes a sizeable corpus. SWP, on the other hand, helps you use that corpus during retirement. It gives you a steady monthly income while keeping the rest of the money safe for future needs.
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(Disclaimer: Our calculations are projections and not investment advice. Do your due diligence or consult an expert for financial planning)
What is SWP?
![What is SWP? What is SWP?](https://cdn.zeebiz.com/sites/default/files/2025/01/29/348766-sipswp-slide-1-1.jpg)
Systematic Withdrawal Plan (SWP) is a way to take out a fixed amount of money from your investment at regular intervals. It's often used in retirement to get a steady income. Here's the best part: even as you withdraw money, your investment continues to grow. If your investment grows faster than you withdraw money, you can keep getting money for many years, even decades.
Systematic Withdrawal Plan
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Rupee cost averaging with SWP
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What are benefits of SWP?
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What is SIP?
![What is SIP? What is SIP?](https://cdn.zeebiz.com/ads/placeholder_image-zeebiz.jpg)
How SIP and SWP work for retirement planning
![How SIP and SWP work for retirement planning How SIP and SWP work for retirement planning](https://cdn.zeebiz.com/ads/placeholder_image-zeebiz.jpg)
The first step is building a retirement corpus through SIP. Once the corpus is built, it can be withdrawn in the form of monthly income through SWP. There is an advantage in withdrawing through SWP, investor can witness growth in their corpus while withdrawing it. Individuals can also increase or decrease their withdrawal amount as per their requirements.
What will be your retirement corpus in 20 years?
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What to do after building a retirement corpus?
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What will be the monthly income from SWP?
![What will be the monthly income from SWP? What will be the monthly income from SWP?](https://cdn.zeebiz.com/ads/placeholder_image-zeebiz.jpg)
SWP calculations at 7 per cent annual return
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