Retirement via SIP & SWP
Combine SIP for accumulation and SWP for distribution — build then draw down your retirement corpus.
This two-in-one plan covers both halves of retirement — build your corpus with a monthly SIP during your working years, then draw a regular income from it with an SWP after you retire, and see how long the corpus is likely to last.
Corpus at retirement
₹4.74 Cr
Monthly income
₹80,000
Income lasts
35 yr
Your corpus sustains ₹80,000/month for 35+ years — well funded.
Insight: Build with SIP, draw with SWP — one plan covers both halves of retirement.
Considerations
- The accumulation SIP and the retirement SWP are two linked phases
- A larger corpus supports a higher, longer-lasting income
- Post-retirement returns are usually lower than during accumulation
- Plan for 25–30 years of withdrawals
Best practices
- Start the SIP early and step it up over time
- Keep the withdrawal rate below the post-retirement return
- Hold a cash buffer for market downturns
- Consult a financial advisor to fine-tune both phases
Ready to redefine your financial freedom?
India is among the world’s top saving nations. But savings alone aren’t enough — your money has to work as hard as you do, spread across asset classes so it keeps pace with inflation and protects the purchasing power of the rupee.