{"id":11811,"date":"2022-05-26T18:09:05","date_gmt":"2022-05-26T12:39:05","guid":{"rendered":"https:\/\/kuvera.in\/blog\/?p=11811"},"modified":"2022-12-14T16:15:43","modified_gmt":"2022-12-14T10:45:43","slug":"top-mutual-funds-for-swp-systematic-withdrawal-plan-in-2022","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/top-mutual-funds-for-swp-systematic-withdrawal-plan-in-2022\/","title":{"rendered":"Best SWP in Mutual Funds To Invest in India 2022"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_40 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" area-label=\"ez-toc-toggle-icon-1\"><label for=\"item-69effe5d5a7e5\" aria-label=\"Table of Content\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69effe5d5a7e5\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/kuvera.in\/blog\/top-mutual-funds-for-swp-systematic-withdrawal-plan-in-2022\/#What_Is_a_Systematic_Withdrawal_Plan_SWP\" title=\"What Is a Systematic Withdrawal Plan (SWP)?\">What Is a Systematic Withdrawal Plan (SWP)?<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/kuvera.in\/blog\/top-mutual-funds-for-swp-systematic-withdrawal-plan-in-2022\/#Why_Would_You_Need_a_Systematic_Withdrawal_Plan\" title=\"Why Would You Need a Systematic Withdrawal Plan?\">Why Would You Need a Systematic Withdrawal Plan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/kuvera.in\/blog\/top-mutual-funds-for-swp-systematic-withdrawal-plan-in-2022\/#How_to_Pick_the_Best_SWP_Plans\" title=\"How to Pick the Best SWP Plans?\">How to Pick the Best SWP Plans?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/kuvera.in\/blog\/top-mutual-funds-for-swp-systematic-withdrawal-plan-in-2022\/#Best_Performing_Systematic_Withdrawal_Plans_in_2022\" title=\"Best Performing Systematic Withdrawal Plans in 2022\">Best Performing Systematic Withdrawal Plans in 2022<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/kuvera.in\/blog\/top-mutual-funds-for-swp-systematic-withdrawal-plan-in-2022\/#Final_Word\" title=\"Final Word\">Final Word<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/kuvera.in\/blog\/top-mutual-funds-for-swp-systematic-withdrawal-plan-in-2022\/#Frequently_Asked_Questions\" title=\"Frequently Asked Questions\">Frequently Asked Questions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/kuvera.in\/blog\/top-mutual-funds-for-swp-systematic-withdrawal-plan-in-2022\/#How_are_returns_from_SWPs_taxed\" title=\"How are returns from SWPs taxed?\">How are returns from SWPs taxed?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/kuvera.in\/blog\/top-mutual-funds-for-swp-systematic-withdrawal-plan-in-2022\/#What_are_the_different_options_of_SWPs_available_in_India\" title=\"What are the different options of SWPs available in India?\">What are the different options of SWPs available in India?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/kuvera.in\/blog\/top-mutual-funds-for-swp-systematic-withdrawal-plan-in-2022\/#_When_is_the_right_time_to_start_an_SWP\" title=\"\u00a0When is the right time to start an SWP?\">\u00a0When is the right time to start an SWP?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/kuvera.in\/blog\/top-mutual-funds-for-swp-systematic-withdrawal-plan-in-2022\/#_What_is_the_difference_between_SIP_and_SWP_for_mutual_funds\" title=\"\u00a0What is the difference between SIP and SWP for mutual funds?\">\u00a0What is the difference between SIP and SWP for mutual funds?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/kuvera.in\/blog\/top-mutual-funds-for-swp-systematic-withdrawal-plan-in-2022\/#Who_can_benefit_by_opting_for_an_SWP\" title=\"Who can benefit by opting for an SWP?\">Who can benefit by opting for an SWP?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/kuvera.in\/blog\/top-mutual-funds-for-swp-systematic-withdrawal-plan-in-2022\/#How_to_use_SWP_Calculator\" title=\"How to use SWP Calculator?\">How to use SWP Calculator?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/kuvera.in\/blog\/top-mutual-funds-for-swp-systematic-withdrawal-plan-in-2022\/#Interested_in_how_we_think_about_the_markets\" title=\"Interested in how we think about the markets?\">Interested in how we think about the markets?<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<p>There are multiple ways mutual fund investors can withdraw money from their investments. Not only can you redeem units of the mutual fund, but you can also choose to get a regular stream of income. A Systematic Withdrawal Plan, or SWP in short, lets you withdraw a fixed amount as a monthly payout.<\/p>\n<p>&nbsp;<\/p>\n<p>Now let us understand how SWPs work and how to find the best SWP plans in India for 2022.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/kuvera.in\/fixed-deposit\/all\"><img loading=\"lazy\" class=\"aligncenter wp-image-18453 size-full\" src=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/11\/WhatsApp-Image-2022-11-12-at-11.45.23-AM-1.jpeg\" sizes=\"(max-width: 600px) 100vw, 600px\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/11\/WhatsApp-Image-2022-11-12-at-11.45.23-AM-1.jpeg 600w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/11\/WhatsApp-Image-2022-11-12-at-11.45.23-AM-1-300x100.jpeg 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/11\/WhatsApp-Image-2022-11-12-at-11.45.23-AM-1-150x50.jpeg 150w\" alt=\"fixed-deposit-interest -rates\" width=\"600\" height=\"200\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<h2 style=\"color: black; font-size: 20px;\"><span class=\"ez-toc-section\" id=\"What_Is_a_Systematic_Withdrawal_Plan_SWP\"><\/span>What Is a Systematic Withdrawal Plan (SWP)?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">SWP is a way to withdraw money from your <a href=\"https:\/\/app.kuvera.in\/explore\/mf\/c\/all\">mutual fund investments<\/a> in instalments. It involves investing in a mutual fund scheme by setting up a withdrawal plan.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">You can set the interval as weekly, monthly, or quarterly, and you will receive a payout on a specific date.\u00a0\u00a0\u00a0\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Investors generally tend to select a <a href=\"https:\/\/app.kuvera.in\/explore\/mf\/c\/top-searched\">mutual fund scheme<\/a> with low risks for an SWP. It can include liquid funds, ultra short-term funds, or other debt funds. Investors with high-risk appetites can also invest in equity funds like significant cap funds.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>To set up an SWP for a mutual fund, you can invest in a low-risk growth scheme and specify the withdrawal amount, date, and interval. Units worth the fixed amount that redeems on designated dates, and then money gets credited to your linked bank account.<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">For example, let\u2019s say you have an investment worth Rs. 15 lakh, and you set up an SWP to withdraw Rs. 20,000 on the 5<\/span><span style=\"font-weight: 400;\">th<\/span><span style=\"font-weight: 400;\"> of every month. Thus, you can redeem Rs. 20,000 worth of fund units on the 5<\/span><span style=\"font-weight: 400;\">th<\/span><span style=\"font-weight: 400;\"> of every month.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">SWPs allow you to customize the cash flow from your matured investments. You can withdraw only the capital gains from your mutual funds or a fixed income. You will have a part of the money invested in your preferred scheme while withdrawing the amount you need.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3 style=\"color: black; font-size: 20px;\"><span class=\"ez-toc-section\" id=\"Why_Would_You_Need_a_Systematic_Withdrawal_Plan\"><\/span>Why Would You Need a Systematic Withdrawal Plan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The following are some of the essential benefits of opting for an SWP:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\"><strong>For a stable source of income<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/kuvera.in\/blog\/swp-systematic-withdrawal-plan\/\">SWP in a mutual fund<\/a> will help you get an additional source of income. These days, a secondary source of income is necessary to cover the rising cost of living. If you are a retired individual seeking additional income, you can use an SWP to meet your regular expenses.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li aria-level=\"1\">\u00a0To create your pension,<span style=\"font-weight: 400;\"> e<\/span><span style=\"font-weight: 400;\">ven if you do not have a pension, you can invest in a mutual fund scheme to create your pension. After retiring, you can use an SWP to make withdrawals from your investment to get a fixed income.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li aria-level=\"1\"><span style=\"font-weight: 400;\">After retiring, you can use an SWP to make withdrawals from your investment to get a fixed income. You can also use this method to supplement your existing pension.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\"><strong>\u00a0To book profits systematically<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>After years of investing, you will want to book your profits to fulfill your life\u2019s goals. Instead of withdrawing the entire lump sum, you can gradually choose a systematic withdrawal plan to withdraw money as per your needs. It will allow you to draw other returns from the remaining amount.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Disciplined withdrawals<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">When setting up an SWP, you will issue standing instructions to the mutual fund house to transfer a pre-determined amount on a specific date. It will ensure regular and disciplined withdrawals, which prevents capital erosion.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Rupee cost averaging<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">When you redeem or purchase mutual fund units. Market volatility plays a vital role in deciding your returns. If you redeem a large sum of money, the market takes a sudden downturn.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, when you opt for an SWP, rupee cost averaging comes into play. Fewer units will be redeemed on days when the markets are high, while more units will be redeemed when it is low. Over time, this will average the number of units redeemed, resulting in minimal losses.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3 style=\"color: black; font-size: 20px;\"><span class=\"ez-toc-section\" id=\"How_to_Pick_the_Best_SWP_Plans\"><\/span>How to Pick the Best SWP Plans?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p>Picking the best SWP funds is not different from choosing any other mutual fund. You select a mutual fund to invest in and withdraw funds after a point. So, you should check the following factors to see if the mutual fund suits your investment needs:<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\"><strong>Your investment goals<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">You will want to plan out your financial goals before investing in a mutual fund scheme. Your choice of mutual fund will depend on what your requirement is. For example, you might choose a fund for building a retirement corpus, creating an emergency fund, etc. If you want to park your money to get stable returns, debt funds could be the right option.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\"><strong>Investment horizon<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Along with investment goals, you will also want to check the investment horizon of a mutual fund. If you have long-term goals, you might want to focus on growth-oriented mutual funds as you would have enough time to adjust for market volatility.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>On the other hand, you can consider choosing low-risk funds if you have a short-term goal. This would allow you to start a Systematic Withdrawal Plan (SIP) when you need the money.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\"><strong>\u00a0Risk assessment<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>Understanding the risks of losses is crucial for any investment. You will want to know your risk tolerance level to see if it matches the mutual fund&#8217;s risks. Risks and returns are always proportional, so choosing the best SWP plans will depend on your risk appetite and financial needs.<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Equity mutual funds suit aggressive investors who prefer a high risk and high reward approach. However, those who prefer stable returns and cannot bear losses may want to go for debt funds.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\"><strong>The expense ratio<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Every AMC charges an annual fee called the expense ratio for the management, administration, promotion, and distribution of a mutual fund scheme. The expense ratio can vary depending on whether a fund is actively or passively managed, its AUM (Assets under Management), and the fund house. It would help if you chose a scheme with a low expense ratio as it will affect your returns.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3 style=\"color: black; font-size: 20px;\"><span class=\"ez-toc-section\" id=\"Best_Performing_Systematic_Withdrawal_Plans_in_2022\"><\/span>Best Performing Systematic Withdrawal Plans in 2022<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The following are the best mutual funds for SWP in India. These lists are based on their 3-year annualized returns as of May 17, 2022:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\"><strong>Equity funds<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<table style=\"width: 100%;\" border=\"1.5\">\n<tbody>\n<tr>\n<td><b>Name of the Mutual Fund<\/b><\/td>\n<td><b>Fund Category<\/b><\/td>\n<td><b>3-Year Annualised Returns<\/b><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/mutual-funds\/fund\/quant-tax-growth--QUTPDG-GR\"><span style=\"font-weight: 400;\">Quant Tax Plan- Direct Plan- Growth<\/span><\/a><\/td>\n<td><span style=\"font-weight: 400;\">ELSS<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">40.7%<\/span><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/mutual-funds\/fund\/boi-axa-small-cap-growth--BASCDG-GR\"><span style=\"font-weight: 400;\">BOI AXA Small Cap Fund- Direct Plan- Growth<\/span><\/a><\/td>\n<td><span style=\"font-weight: 400;\">Small cap<\/span><span style=\"font-weight: 400;\"> fund<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">39.8%<\/span><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/mutual-funds\/fund\/pgim-india-midcap-opportunities-growth--PRMOG1-GR\"><span style=\"font-weight: 400;\">PGIM India Midcap Opportunities Fund- Direct Plan- Growth<\/span><\/a><\/td>\n<td><span style=\"font-weight: 400;\">Mid cap fund<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">38.4%<\/span><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/mutual-funds\/fund\/quant-mid-cap-growth--QUOFDG-GR\"><span style=\"font-weight: 400;\">Quant Mid Cap Fund- Direct Plan- Growth<\/span><\/a><\/td>\n<td><span style=\"font-weight: 400;\">Mid cap fund<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">37.1%<\/span><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/mutual-funds\/fund\/quant-active-growth--QUGFDG-GR\"><span style=\"font-weight: 400;\">Quant Active Fund- Direct Plan- Growth<\/span><\/a><\/td>\n<td><span style=\"font-weight: 400;\">Multi cap fund<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">36.3%<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\"><strong>Hybrid funds<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<table style=\"width: 100%;\" border=\"1.5\">\n<tbody>\n<tr>\n<td><b>Name of the Mutual Fund<\/b><\/td>\n<td><b>Fund Category<\/b><\/td>\n<td><b>3-Year Annualised Returns<\/b><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/mutual-funds\/fund\/quant-multi-asset-growth--QUGLDG-GR\"><span style=\"font-weight: 400;\">Quant Multi Asset Fund- Direct Plan- Growth<\/span><\/a><\/td>\n<td><span style=\"font-weight: 400;\">Multi asset allocation\u00a0<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">31.1%<\/span><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/mutual-funds\/fund\/quant-absolute-growth--QUBFDG-GR\"><span style=\"font-weight: 400;\">Quant Absolute Fund- Direct Plan- Growth<\/span><\/a><\/td>\n<td><span style=\"font-weight: 400;\">Aggressive hybrid fund<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">31.1%<\/span><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/explore\/mf\/l\/boi-axa-mid-small-cap-equity-debt-growth--BAMCDG-GR\"><span style=\"font-weight: 400;\">BOI AXA Mid and Small Cap Equity and Debt Fund- Direct Plan- Growth<\/span><\/a><\/td>\n<td><span style=\"font-weight: 400;\">Aggressive hybrid fund<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">24,7%<\/span><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/mutual-funds\/fund\/icici-prudential-equity-debt-growth--8017-GR\"><span style=\"font-weight: 400;\">ICICI Prudential Equity &amp; Debt Fund- Direct Plan- Growth<\/span><\/a><\/td>\n<td><span style=\"font-weight: 400;\">Aggressive hybrid fund<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">20.4%<\/span><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/kuvera.in\/mutual-funds\/fund\/icici-prudential-multi-asset-growth--8004-GR\"><span style=\"font-weight: 400;\">ICICI Prudential Multi-Asset Fund- Direct Plan- Growth<\/span><\/a><\/td>\n<td><span style=\"font-weight: 400;\">Multi asset allocation\u00a0<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">19.29%<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\"><strong>Debt funds<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<table style=\"width: 100%;\" border=\"1.5\">\n<tbody>\n<tr>\n<td><b>Name of the Mutual Fund<\/b><\/td>\n<td><b>Fund Category<\/b><\/td>\n<td><b>3-Year Annualised Returns<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">HDFC FMP 1846D August 2013 (1) (27)- Direct Plan- Growth<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Fixed Maturity Plans (FMP)<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">9.64%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Nippon India Fixed Horizon Fund 40- Series 16- Direct Plan- Growth<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Fixed Maturity Plan<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">9.08%<\/span><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/app.kuvera.in\/explore\/mf\/l\/edelweiss-government-securities-growth--EDGSD1-GR\"><span style=\"font-weight: 400;\">Edelweiss Government Securities Fund- Direct Plan- Growth\u00a0<\/span><\/a><\/td>\n<td><span style=\"font-weight: 400;\">Gilt Fund<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">7%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">UTI Fixed Term Income Fund- Series XXXI- Plan II- (1222 days)- Direct Plan- Growth<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Fixed Maturity Plan<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">8.67%<\/span><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/app.kuvera.in\/explore\/mf\/l\/sbi-magnum-gilt-growth--SBD040A-GR\"><span style=\"font-weight: 400;\">SBI Magnum Gilt Fund- Direct Plan-Growth<\/span><\/a><\/td>\n<td><span style=\"font-weight: 400;\">Fixed Maturity Plan<\/span><\/td>\n<td style=\"text-align: center;\"><span style=\"font-weight: 400;\">6.8%<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p>And Also Read:\u00a0 <a href=\"https:\/\/kuvera.in\/blog\/5-best-stocks-for-long-term-investment\/\">5 Reasons Why Long Term Investments in Stocks are Healthy?<\/a><\/p>\n<p>&nbsp;<\/p>\n<h4 style=\"color: black; font-size: 18px;\"><span class=\"ez-toc-section\" id=\"Final_Word\"><\/span>Final Word<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p>Systematic Withdrawal Plan\u00a0are a great alternative to lump sum withdrawals. You can use them to get a regular income to meet your financial needs. Meanwhile, the rest of your investment generates returns based on the prevailing market conditions.<\/p>\n<p>&nbsp;<\/p>\n<h4 style=\"color: black; font-size: 18px;\"><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span>Frequently Asked Questions<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4 style=\"color: black; font-size: 18px;\"><span class=\"ez-toc-section\" id=\"How_are_returns_from_SWPs_taxed\"><\/span>How are returns from SWPs taxed?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Unlike investments like FDs and postal savings, TDS (Tax Deducted at Source) is not applicable on an SWP. Capital gains from Systematic Withdrawal Plan&#8217;s are subject to the following taxes:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Short Term Capital Gains (STCG) tax<\/strong>: For equity funds, STCG tax is applicable at 15%. STCG from non-equity funds is taxed as per your respective income tax slab.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong><a href=\"https:\/\/kuvera.in\/blog\/everything-to-know-about-long-term-capital-gains-tax-on-shares\/\">Long Term Capital Gains (LTCG) tax<\/a><\/strong>: In the case of equity funds, LTCG is taxed at 10%, but gains of up to Rs. 1 lakh are tax-exempt. LTCG earned from non-equity funds are taxed at 20% and indexation benefit.\u00a0<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4 style=\"color: black; font-size: 18px;\"><span class=\"ez-toc-section\" id=\"What_are_the_different_options_of_SWPs_available_in_India\"><\/span>What are the different options of SWPs available in India?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><b>\u00a0<\/b><span style=\"font-weight: 400;\">There are mainly two options of Systematic Withdrawal Plan available in India. These are as follows:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Fixed periodic withdrawal:<\/strong> In this option, you can withdraw a pre-determined amount at regular intervals (monthly, quarterly, bi-annually or annually).\u00a0<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Appreciation withdrawal:<\/strong> You can use this option to withdraw only the capital gains from your investment. This lets you keep the principal amount invested while getting regular income.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4 style=\"color: black; font-size: 18px;\"><span class=\"ez-toc-section\" id=\"_When_is_the_right_time_to_start_an_SWP\"><\/span>\u00a0When is the right time to start an SWP?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">If you have a significant lump sum amount, you may consider starting an SWP as soon as you invest the entire sum. For equity schemes, you will want to wait for at least a year after investment to avoid paying STCG (Short Term Capital Gains) tax.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">To have a sizeable amount of regular cash flows, you can consider investing for several years (say 5 to 7 years) for capital appreciation. You can also opt for an SWP after the end of your <a href=\"https:\/\/kuvera.in\/blog\/10-reasons-why-sip-is-the-best-way-to-invest\/\">SIP investments<\/a> to stay invested.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4 style=\"color: black; font-size: 18px;\"><span class=\"ez-toc-section\" id=\"_What_is_the_difference_between_SIP_and_SWP_for_mutual_funds\"><\/span>\u00a0What is the difference between SIP and SWP for mutual funds?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">A <a href=\"https:\/\/kuvera.in\/blog\/sip-is-the-beginning-not-an-end\/\">Systematic Investment Plan (SIP)<\/a> is the exact opposite of a Systematic Withdrawal Plan (SWP). In SIPs, you invest money from your bank account into a mutual fund scheme at fixed intervals. On the other hand, in the case of SIPs, the money is credited to your bank account from a mutual fund at fixed intervals.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The purpose of a SIP is to regularly invest small sums of money to grow your wealth. In contrast, SWPs allow you to flexibly withdraw your investments in installments.\u00a0\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4 style=\"color: black; font-size: 18px;\"><span class=\"ez-toc-section\" id=\"Who_can_benefit_by_opting_for_an_SWP\"><\/span>Who can benefit by opting for an SWP?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The following investors can consider opting for an SWP:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Risk averse investors can use SWPs for capital protection<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Investors looking to create an additional source of income<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Retired investors who want to create their own pension<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h4 style=\"color: black; font-size: 18px;\"><span class=\"ez-toc-section\" id=\"How_to_use_SWP_Calculator\"><\/span>How to use <a href=\"https:\/\/kuvera.in\/calculators\/swp-calculator\">SWP Calculator<\/a>?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>In the Systematic Withdrawal Plan (SWP), an individual needs to invest a particular amount and withdraw a certain amount of the corpus invested in each month. After withdrawal, the amount will be deducted from the investment while it continues to accumulate interest.<\/p>\n<p>&nbsp;<\/p>\n<h4 style=\"color: black; font-size: 18px;\"><span class=\"ez-toc-section\" id=\"Interested_in_how_we_think_about_the_markets\"><\/span>Interested in how we think about the markets?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p>Read more: <a href=\"https:\/\/kuvera.in\/blog\/category\/zen-and-the-art-of-investing\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Zen And The Art Of Investing<\/strong><\/a><\/p>\n<p>Watch\/hear on YouTube:<\/p>\n<style>.embed-container { position: relative; padding-bottom: 56.25%; height: 0; overflow: hidden; max-width: 100%; } .embed-container iframe, .embed-container object, .embed-container embed { position: absolute; top: 0; left: 0; width: 100%; height: 100%; }<\/style>\n<p>&nbsp;<\/p>\n<div class=\"embed-container\"><iframe src=\"https:\/\/www.youtube.com\/embed\/6Mf8WTWVN4U\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\">\ufeff<\/span><\/iframe><\/div>\n<p>&nbsp;<\/p>\n<p>Start investing through a platform that brings goal planning and investing to your fingertips. Visit <a href=\"https:\/\/app.kuvera.in\/\"><strong>kuvera.in<\/strong><\/a> to discover <a href=\"https:\/\/kuvera.in\/blog\/direct-plans-better\/\"><strong>Direct Plans<\/strong><\/a> and <strong><a href=\"https:\/\/app.kuvera.in\/explore\/fixed-deposit\/c\/all\">Fixed Deposits<\/a><\/strong> and <a href=\"https:\/\/kuvera.in\/user\/login\"><strong>start investing today.<\/strong><\/a><\/p>\n<p>#MutualFundSahiHai #KuveraSabseSahiHai!<\/p>\n<p>&nbsp;<\/p>\n<hr \/>\n\n<table id=\"tablepress-2103\" class=\"tablepress tablepress-id-2103\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\"><\/th><th class=\"column-2\">Top Asset Management Companies<\/th><th class=\"column-3\"><\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/idfc\">IDFC Mutual Fund<\/a><\/td><td class=\"column-2\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/quant\">Quant Mutual Fund<\/a><\/td><td class=\"column-3\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/canara\">Canara Robeco Mutual Fund<\/a><\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/tata\">Tata Mutual Fund<\/a><\/td><td class=\"column-2\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/dsp\">DSP Mutual Fund<\/a><\/td><td class=\"column-3\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/uti\">UTI Mutual Fund<\/a><\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/whiteoak\">Whiteoak Mutual Fund<\/a><\/td><td class=\"column-2\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/motilal\">Motilal Oswal Mutual Fund<\/a><\/td><td class=\"column-3\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/mirae\">Mirae Asset Mutual Fund<\/a><\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/icici\">ICICI Prudential Mutual Fund<\/a><\/td><td class=\"column-2\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/hdfc\">HDFC Mutual Fund<\/a><\/td><td class=\"column-3\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/absl\">Aditya Birla Sunlife Mutual Fund<\/a><\/td>\n<\/tr>\n<tr class=\"row-6 even\">\n\t<td class=\"column-1\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/barodabnpparibas\">Baroda BNP Paribas Mutual Fund<\/a><\/td><td class=\"column-2\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/invesco\">Invesco Mutual Funds<\/a><\/td><td class=\"column-3\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/jm\">JM Financial Mutual Funds<\/a><\/td>\n<\/tr>\n<tr class=\"row-7 odd\">\n\t<td class=\"column-1\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/tata\">Tata Mutual Funds<\/a><\/td><td class=\"column-2\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/nippon\">Nippon Mutual Funds<\/a><\/td><td class=\"column-3\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/franklin\">Franklin Templeton Mutual Funds<\/a><\/td>\n<\/tr>\n<tr class=\"row-8 even\">\n\t<td class=\"column-1\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/sundaram\">Sundaram Mutual Fund<\/a><\/td><td class=\"column-2\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/edelweiss\">Edelweiss Mutual Funds<\/a><\/td><td class=\"column-3\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/l_t\">L&amp;T Mutual Funds<\/a><\/td>\n<\/tr>\n<tr class=\"row-9 odd\">\n\t<td class=\"column-1\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/axis\">Axis Mutual Fund<\/a><\/td><td class=\"column-2\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/kotak\">Kotak Mutual Fund<\/a><\/td><td class=\"column-3\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/lic\">LIC Mutual Fund<\/a><\/td>\n<\/tr>\n<tr class=\"row-10 even\">\n\t<td class=\"column-1\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/dsp\">DSP Mutual Fund<\/a><\/td><td class=\"column-2\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/iifl\">IIFL Mutual Fund<\/a><\/td><td class=\"column-3\"><a href=\"https:\/\/kuvera.in\/explore\/funds\/parag\">Parag Parikh Mutual Funds<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-2103 from cache -->\n","protected":false},"excerpt":{"rendered":"<p>There are multiple ways mutual fund investors can withdraw money from their investments. Not only can you redeem units of the mutual fund, but you can also choose to get a regular stream of income. A Systematic Withdrawal Plan, or SWP in short, lets you withdraw a fixed amount as a monthly payout. &nbsp; Now [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/top-mutual-funds-for-swp-systematic-withdrawal-plan-in-2022\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":11,"featured_media":11812,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[99,768,837],"tags":[677,840,67,17,838,839],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Best Systematic Withdrawal Plan - SWP in Mutual Funds In 2022<\/title>\n<meta name=\"description\" content=\"List of best performing Systematic Withdrawal Plan - SWP in Mutual Funds in India in 2022. 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