Never depend on a single income.
with a Systematic Withdrawal Plan (SWP)
Mutual Fund investments are subject to market risks. Read all scheme related documents carefully.
“Never depend on single income.
Make investments to create a second source.”
— Warren Buffett
SWP lets you withdraw a fixed amount at regular intervals from a lumpsum investment — while the rest of your money stays invested and keeps growing.
Put a one-time amount into a mutual fund scheme
Choose how much & how often it's credited
On your date, units are sold to fund it
The remaining corpus keeps growing
Equity drives long-term growth, debt cushions volatility — exactly what a monthly withdrawal needs.
| Particulars | SWP (Growth Option) | Traditional Monthly Income |
|---|---|---|
| Taxable Cash Flow | Only the capital gains portion | Entire amount received |
| Tax Rate | Short/Long-term capital gains rate | As per income tax slab |
| TDS | Not applicable | Applicable |
| Tax Exemption | LTCG exempt up to ₹1.25L (equity) | No exemption |
| In a Falling Market | Not taxed if no withdrawal gain | Taxed regardless of market |
Illustrative comparison based on current tax provisions. Please consult your tax advisor.
A regular amount is withdrawn while the rest stays invested and grows.
Only the capital-gains portion is taxed, not the full withdrawal.
Choose amount, frequency & duration — pause or stop anytime.
Funds are transferred to your account automatically, every time.
Withdrawals happen on schedule — no temptation to time the market.
Fewer units sold when NAV is high, more when it's low.
Live NAV-based illustrations across hybrid fund categories — using actual historical data, not assumed returns.
₹10,00,000 invested · ₹5,000 withdrawn every month for 60 months · Balanced Advantage Category
Illustrative NAV-based path to actual start/end values shown in Case Study 1. Markets don't move in a straight line — the corpus still ends up ahead.
Oct 2020 – Dec 2025 • 60 monthly withdrawals
Even after withdrawing ₹3 lakh in cash over 5 years, the investment is worth more than 50% above the original lumpsum. The corpus outgrew the withdrawals.
Mar 2016 – Feb 2026 • 120 monthly withdrawals • ~6% annual rate
Cash already in hand + what's still invested — from a ₹20L starting point.
Total gain over the period: ₹2,61,68,795
An SWP started in a hybrid category index in Apr 2018 lived through a sharply negative year — and still delivered strong long-term returns.
| Period | Apr 2018 – Mar 2019 | Apr 2019 – Mar 2020 | Apr 2018 – Mar 2024 (6 yrs) |
|---|---|---|---|
| Hybrid (35:65) Index Return | 10.45% | −12.73% | 13.19% |
Despite one sharply negative year, the SWP still delivered an 11–14% long-term CAGR range. Time in the market — not timing it — is what protects an SWP.
Drag the slider to your target monthly income — assuming a ~6% annual SWP rate.
₹20,000/month expenses
₹40 Lakh invested
₹1.74 Cr left for family after 20 years
₹1,20,000/year fees
₹20 Lakh invested
₹56 Lakh left for higher education after 15 years
₹2,40,000/year travel
₹40 Lakh invested
₹1.74 Cr corpus still intact after 20 years
Illustrative, assuming ~11% p.a. category return and a 6% annual SWP rate with monthly withdrawal. Past performance may or may not sustain in future.
Talk to MoneyAnna about setting up an SWP that matches your goal, timeline and risk appetite.
Illustrations in this deck reference historical SWP data from schemes across the Balanced Advantage, Aggressive Hybrid and Equity Hybrid categories, including examples from ABSL Mutual Fund, SBI Mutual Fund, DSP Mutual Fund, Tata Mutual Fund and Mirae Asset Mutual Fund.
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