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SWP: Here's how to generate ₹50,000 per month as steady income while keeping your corpus invested
Mint 1 hr ago·11 Sept 2026, 3:55 pm
A Systematic Withdrawal Plan (SWP) is a financial tool that allows investors to withdraw a fixed sum of money from their mutual fund corpus at regular intervals, such as monthly. This creates a steady income stream, making it a popular choice for retirees or anyone seeking regular payouts. The key benefit is that the remaining principal amount continues to earn returns, helping the investment grow over time.
For investors aiming for a monthly income of ₹50,000, the required initial corpus depends on the expected rate of return. A higher return rate means a smaller investment is needed to generate the desired payout. This strategy helps manage liquidity while allowing the investment to compound, offering a balance between regular cash flow and wealth preservation.
Before starting an SWP, it is important to assess your financial goals and risk appetite. Investors should also consider the duration for which they need the income. Consulting a financial advisor can help tailor the plan to individual needs and ensure the withdrawal rate is sustainable over the long term.
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