Swp
5 articles tagged Swp.
Reverse Mortgage in India 2026 vs SWP vs Annuity: The Honest Comparison
Asset-rich, cash-poor retirees own a house worth ₹2 crore and have ₹15 lakh in savings. Reverse mortgage from SBI, PNB, and others converts that house into a tax-free monthly income without selling it. The 2026 product features, why uptake stayed low, and how it compares to SWP from mutual funds and a traditional LIC annuity.
The 4% Rule for India 2026: Modified for 6% Inflation + 30× Corpus
The 4% rule was built on US data. India's 5-7% inflation + equity volatility means the safe rate is 3-3.5% and you need 30× expenses as corpus, not 25×. The modified playbook.
Annuity vs SWP from Mutual Fund 2026: The Honest After-Tax Math
Annuity is comforting; the after-tax math is brutal. Why SWP beats annuity for most retirees in 2026, with worked numbers and the few cases where annuity actually wins.
Best SWP Mutual Fund for Retirement Income India 2026: Plans + After-Tax Math
SWP done well outlasts the corpus; done badly runs dry in 12 years. Best funds for SWP, the 3-bucket framework, and why SWP beats annuity for most retirees in 2026.
SWP (Systematic Withdrawal Plan) 2026: Draw a Monthly Income From Mutual Funds, Tax-Efficiently
An SWP turns a mutual fund corpus into a monthly paycheck — and it is far more tax-efficient than taking dividends. Here is how it works, why only the gain portion of each withdrawal is taxed, the depletion risk to respect, and how to set a sustainable withdrawal rate.