SWP Planning
A Systematic Withdrawal Plan (SWP) lets you withdraw a fixed amount from your mutual fund every month — like a salary from your own portfolio. Done right, it's more tax-efficient than an FD and can sustain, even grow, your principal for decades.
How HelloWealth helps with swp planning
Tax-Efficient Income
SWP withdrawals are taxed as capital gains, not interest — which usually means a significantly lower tax outgo than FD interest, especially in equity-oriented funds.
Withdraw Only What You Need
Unlike an annuity, you control the withdrawal amount and frequency, and can adjust it as your needs change.
The ISG Framework™
We design your SWP using our three-bucket Income, Stability, Growth framework — so short-term withdrawals never force you to sell in a market downturn.
Built to Last a Lifetime
We stress-test your withdrawal rate against historical market cycles so your corpus has a high probability of lasting 25-30+ years.
How it works
Calculate Your Number
Using our SWP Calculator, we determine the corpus needed for your target monthly withdrawal.
Fund Selection
We select a mix of funds suited for withdrawal — balancing stability for near-term needs and growth for the long term.
Withdrawal Sequencing
We sequence withdrawals across funds and financial years to minimize tax and protect your corpus during down markets.
Annual Rebalancing
Your SWP is reviewed and rebalanced yearly to keep your withdrawal rate sustainable.
Common questions about swp planning
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Ready to talk about your swp planning?
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