How to use SWP in mutual funds to create a steady retirement income

When people think about retirement income, they usually picture pensions, interest from deposits or rental inflows. Mutual funds are still seen as growth vehicles. But a systematic withdrawal plan, or SWP, has quietly become one of the most flexible ways to convert your investments into a steady post-retirement income stream. It allows you to take out a fixed amount every month while the

remaining corpus continues to stay invested. If you understand how SWPs work, you can design an income plan that feels predictable without locking yourself into rigid products. What an SWP actually does

An SWP is the reverse of a SIP. Instead of adding money every month, you withdraw a chosen amount from your mutual fund while the balance stays invested. Retirees prefer SWPs because they can decide exac