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💸 Turn Your Investments Into Monthly Income | SWP Explained (2025)

Still relying on FDs or rent for monthly income? There’s a smarter way to create passive cash flow without touching your job or pension.

✅ Introducing SWP – Systematic Withdrawal Plan — your own "investment salary."

🧠 What is SWP?

SWP lets you withdraw a fixed amount (e.g., ₹10,000/month) from your mutual fund investment while the remaining amount continues to grow.

It's ideal for:

✔️ Retired individuals
✔️ NRIs with idle corpus
✔️ Freelancers or early retirees
✔️ Anyone seeking income without stress

🔁 SIP vs STP vs SWP – Know the Difference:
Type Flow Purpose
SIP Bank ➡️ Mutual Fund Wealth creation
STP One Fund ➡️ Another Fund Phased investing
SWP Mutual Fund ➡️ Bank Monthly income
💼 Real Example:

📌 ₹12,00,000 invested in a balanced fund
📤 Monthly SWP: ₹10,000
📈 After 12 months: ₹1.2L withdrawn, corpus may still be ₹11.5L–12.5L (market-dependent)

You earn stable income + capital appreciation.

📊 Why SWP FDs?

✅ No TDS (in most equity schemes)
✅ Tax-efficient capital gains
✅ Flexible frequency & amount
✅ Corpus stays invested & grows
✅ Beat inflation with hybrid fund options

📌 Best Mutual Funds for SWP in 2025:

HDFC Hybrid Equity Fund

ICICI Pru Balanced Advantage

SBI Equity Hybrid Fund

Axis Regular Saver Fund

Kotak Balanced Advantage Fund

📝 Avoid small-cap or volatile equity funds for SWP

⚠️ SWP Pro Tips:

🔹 Start with 6–8% withdrawal rate
🔹 Choose Growth option (not Dividend)
🔹 Review fund & capital gains yearly
🔹 Use STP for phased entry into SWP fund

📣 Call to Action:

📩 DM "SWP" on Instagram
– Get your FREE SWP plan
💬 Comment "INCOME" below to receive the calculator + fund list
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