Retirement Cash Flow

Turn your retirement corpus into a steady and dependable income stream with an SWP. By withdrawing fixed amounts at regular intervals, you can meet your ongoing expenses while the remaining corpus stays invested and continues to compound. It’s a balanced, stress-free approach that offers both stability and long-term growth, giving you greater peace of mind in retirement.

Key Highlights

Balanced Portfolio

We design conservative portfolios of balanced mutual funds, chosen through meticulous bottom-up research and guided by a robust structural investment philosophy.

Withdrawal Frequency

Choose your preferred Systematic Withdrawal Frequency — monthly, quarterly, or annually — Most investors prefer a monthly frequency to mirror a salary-like income.

Optimized Strategy

Our experts help you design an SWP strategy aligned with your tax bracket, income needs, inflation and investment horizon — ensuring smarter withdrawals and better post-tax returns.

Smart Way to Retire with Financial Freedom

When you think of retirement, you imagine peace, stability, and the freedom to enjoy life without financial stress. But achieving that dream requires more than just saving — it requires a steady, tax-efficient income even after you stop working. That’s where a Systematic Withdrawal Plan (SWP) in mutual funds becomes your perfect partner.

💰 What is an SWP in Mutual Funds?

An SWP (Systematic Withdrawal Plan) allows you to withdraw a fixed amount from your mutual fund investment at regular intervals — monthly, quarterly, or annually. Instead of redeeming your entire investment at once, SWP gives you disciplined, consistent cash flow, while the remaining investment continues to stay invested and grow. It’s like paying yourself a monthly salary — from your own investments.

Compounding Meets Smart Withdrawal

SWP works beautifully because your unwithdrawn balance keeps earning market-linked returns.

For instance:
You invest ₹50 lakh in a balanced mutual fund portfolio.
You set up an SWP of ₹20,000 per month.
Over time, even as you withdraw regularly, your balance can continue to grow — thanks to market appreciation and the power of compounding.

This approach offers a blend of liquidity, growth, and stability, unlike traditional options like FDs or pension plans which are tax-inefficient.

SWP and Retirement: The Perfect Partnership

Retirement is about income continuity. You’ve built wealth over decades — now it’s time to make that wealth work for you. An SWP helps you:

✅ Replace your monthly salary with a steady withdrawal.
✅ Manage cash flow for expenses like rent, healthcare, or lifestyle needs.
✅ Keep your capital invested and growing instead of sitting idle.
✅ Stay flexible — you can increase, decrease, or stop withdrawals anytime.

Many retirees now prefer mutual fund SWPs over traditional annuities, as they offer better liquidity, flexibility, and potentially higher post-tax returns.

How to Setup?

⚙️ We will build a balanced mutual fund schemes bucket based on your risk profile.
⚙️ Select SWP frequency – monthly, quarterly, or yearly.
⚙️ Choose withdrawal amount – set it based on your monthly needs and expected returns.
⚙️ Let it run – your chosen amount gets credited to your bank account automatically.
⚙️ GrowFolio tracks the portfolio to ensure your withdrawal rate remains sustainable & increase the withdrawal based on inflation.

Key Facts

Strategy Type: Balanced

Recommened SWP: 4-6% of corpus

Type: Open Ended Hybrid Scheme

Withdrawal Frquency: Month / Quarter / Annual

Inflation Adjusted: Yes, reviewed every year

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Taxation

Long-Term Capital Gains (LTCG)

Sold after 12 months: 12.5% (plus surcharge & cess) on gains above ₹1.25 lakh in a year.

Short-Term Capital Gains (STCG)

Sold within 12 months: 20% (plus surcharge & cess)

Debt Oriented (less than 65% in equity):
Any gains are treated as per an individual’s respective tax slab rate.

Risk & Compliance

This product invests predominantly in hybrid mutual fund schemes and is subject to market & credit risks.

Past performance is not indicative of future returns.