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Rs 1 Crore Corpus: How Much Monthly Income Can An SWP Generate?
NDTV Profit 3 hrs ago·8 Oct 2026, 4:47 am
Systematic Withdrawal Plans, or SWPs, allow investors to withdraw a fixed amount from their mutual fund investments at regular intervals. This is a popular strategy for generating a steady monthly income stream, such as for retirement or regular expenses. The key benefit is flexibility; investors can choose the specific amount they wish to withdraw, the frequency of the withdrawal (e.g., monthly or quarterly), and the date it is processed. This control helps in managing cash flow and aligning payouts with personal financial needs.
For investors, SWPs offer a disciplined way to liquidate investments without having to time the market. While the principal amount remains invested, the withdrawals are taken from the fund's returns, which can provide a cushion against market volatility. However, it is important to remember that the income generated is not fixed and depends on the fund's performance. Investors should assess their risk appetite and liquidity needs before opting for an SWP.
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