{"id":13287,"date":"2022-07-13T14:51:52","date_gmt":"2022-07-13T09:21:52","guid":{"rendered":"https:\/\/kuvera.in\/blog\/?p=13287"},"modified":"2022-07-22T12:53:51","modified_gmt":"2022-07-22T07:23:51","slug":"swp-systematic-withdrawal-plan","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/swp-systematic-withdrawal-plan\/","title":{"rendered":"SWP: Systematic Withdrawal Plan"},"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-69d321f2376d7\" 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-69d321f2376d7\"><\/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\/swp-systematic-withdrawal-plan\/#What_is_Systematic_Withdrawal_Plan_SWP_in_Mutual_Funds\" title=\"What is Systematic Withdrawal Plan (SWP) in Mutual Funds?\">What is Systematic Withdrawal Plan (SWP) in Mutual Funds?<\/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\/swp-systematic-withdrawal-plan\/#Benefits_Advantages_of_SWP\" title=\"Benefits &amp; Advantages of SWP\">Benefits &amp; Advantages of SWP<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/kuvera.in\/blog\/swp-systematic-withdrawal-plan\/#Regular_cash_flow\" title=\"Regular cash flow:\">Regular cash flow:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/kuvera.in\/blog\/swp-systematic-withdrawal-plan\/#A_viable_option_for_a_retirement_plan\" title=\"A viable option for a retirement plan:\">A viable option for a retirement plan:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/kuvera.in\/blog\/swp-systematic-withdrawal-plan\/#Residual_investment\" title=\"Residual investment:\">Residual investment:<\/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\/swp-systematic-withdrawal-plan\/#Flexibility\" title=\"Flexibility:\">Flexibility:<\/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\/swp-systematic-withdrawal-plan\/#Capital_gains\" title=\"Capital gains:\">Capital gains:<\/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\/swp-systematic-withdrawal-plan\/#TDS_not_needed\" title=\"TDS not needed:\">TDS not needed:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/kuvera.in\/blog\/swp-systematic-withdrawal-plan\/#Types_of_SWP\" title=\"Types of SWP\u00a0\">Types of SWP\u00a0<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/kuvera.in\/blog\/swp-systematic-withdrawal-plan\/#Fixed_amount_SWP\" title=\"Fixed amount SWP:\u00a0 \">Fixed amount SWP:\u00a0 <\/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\/swp-systematic-withdrawal-plan\/#Capital_appreciation_SWP\" title=\"Capital appreciation SWP:\">Capital appreciation SWP:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/kuvera.in\/blog\/swp-systematic-withdrawal-plan\/#Why_should_one_use_SWP\" title=\"Why should one use SWP?\">Why should one use SWP?<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/kuvera.in\/blog\/swp-systematic-withdrawal-plan\/#The_second_source_of_income\" title=\"The second source of income:\">The second source of income:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/kuvera.in\/blog\/swp-systematic-withdrawal-plan\/#Capital_protection\" title=\"Capital protection:\">Capital protection:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/kuvera.in\/blog\/swp-systematic-withdrawal-plan\/#Create_ones_pension\" title=\"Create one&#8217;s pension:\">Create one&#8217;s pension:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/kuvera.in\/blog\/swp-systematic-withdrawal-plan\/#To_save_tax\" title=\"To save tax:\">To save tax:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/kuvera.in\/blog\/swp-systematic-withdrawal-plan\/#Key_Takeaways\" title=\"Key Takeaways\">Key Takeaways<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/kuvera.in\/blog\/swp-systematic-withdrawal-plan\/#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<style><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\">\ufeff<\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\">\ufeff<\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\">\ufeff<\/span>.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<div class=\"embed-container\"><iframe src=\"https:\/\/www.youtube.com\/embed\/zkO5pZUm0Ho\" 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><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><span style=\"font-weight: 400;\"><br \/>\nEvery investor has varied financial needs and objectives. For example, while some may want capital gains, others seek regular dividends from their investments. Fund houses set up various facilities and instruments for the different needs of investors. This includes the facility of a Systematic Withdrawal Plan (SWP). <\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Continue reading to find out more about SWP.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/kuvera.in\/explore\/fixed-deposit\/c\/all\"><img loading=\"lazy\" class=\"size-large wp-image-13417 aligncenter\" src=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022-1024x334.jpg\" sizes=\"(max-width: 640px) 100vw, 640px\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022-1024x334.jpg 1024w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022-300x98.jpg 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022-768x250.jpg 768w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/07\/FD-Banner_14-July-2022.jpg 1080w\" alt=\"Online Fixed Deposits on Kuvera\" width=\"640\" height=\"209\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_is_Systematic_Withdrawal_Plan_SWP_in_Mutual_Funds\"><\/span>What is Systematic Withdrawal Plan (SWP) in Mutual Funds?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">An Systematic Withdrawal Plan (SWP) is a plan that permits an investor to take out money from an existing <a href=\"https:\/\/kuvera.in\/explore\/mf\/c\/all\">mutual fund scheme<\/a> at predetermined periods. This helps investors to have a regular inflow of money. This is the usual route for existing investors to create a steady flow of income to fund their retirement accounts.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">SWP is very beneficial to individuals who need liquidity as it permits investors to withdraw their money when they can use it at a predetermined date. This makes it convenient for investors to accomplish their financial objectives.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The obvious choice for investors who seek regular dividends from their investment is postal or <a href=\"https:\/\/kuvera.in\/explore\/fixed-deposit\/c\/bankFD\">fixed deposits in banks<\/a>. Although, the constantly decreasing interest rate in these methods has made them more worried about their investment returns.\u00a0\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">This is where SWP is crucial. SWP gives investors the freedom to choose any date of the month, quarter, or year when withdrawals are permitted and are credited to the individual&#8217;s bank account by asset management companies.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">To create this cash flow, SWP redeems units of the scheme at a predetermined interval. Investors can continue with this until the mutual fund scheme has balance units. Withdrawals through SWP could be varied or fixed.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Since SWP allows an investor to promptly redeem investments from respective mutual fund schemes in installments rather than a lump sum, it is the opposite of <a href=\"https:\/\/kuvera.in\/blog\/sip-systematic-investment-plan-definition-types-benefits\/\">SIP (Systematic investment plan)<\/a>.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">For example, in SWP, investments are directed from a mutual fund scheme to an investor&#8217;s bank account, whereas in SIP, it is the opposite \u2013 funds from an investor&#8217;s bank account are invested in a scheme.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">SWP lets you customize your withdrawals as per your financial goals. For example, an investor can choose to have just the capital returns or a predetermined amount.\u00a0 An investor will have funds still invested in the mutual fund scheme, but they will also have regular cash flow.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><\/h3>\n<h3><span class=\"ez-toc-section\" id=\"Benefits_Advantages_of_SWP\"><\/span>Benefits &amp; Advantages of SWP<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Here are the benefits and advantages of SWP:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h4><span class=\"ez-toc-section\" id=\"Regular_cash_flow\"><\/span>Regular cash flow:<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">SWP allows investors to choose any date of the month, quarter, or year when withdrawals are permitted and are credited to the individual&#8217;s bank account by asset management companies.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h4><span class=\"ez-toc-section\" id=\"A_viable_option_for_a_retirement_plan\"><\/span>A viable option for a retirement plan:<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Regular cash flow feature of SWP from an already existing investment makes it an excellent choice for your retirement.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h4><span class=\"ez-toc-section\" id=\"Residual_investment\"><\/span>Residual investment:<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Even though regular withdrawals are made, the remnant amount is still invested, which increases the probability of a better return through capital appreciation.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h4><span class=\"ez-toc-section\" id=\"Flexibility\"><\/span>Flexibility:<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">SWP lets you personalize your withdrawals according to your investment objectives. An investor can choose to have just the capital gains or a fixed amount, the withdrawal date, and even the frequency they please.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h4><span class=\"ez-toc-section\" id=\"Capital_gains\"><\/span>Capital gains:<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">An investor eventually gets capital appreciation if the SWP rate is lesser than the fund&#8217;s returns.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h4><span class=\"ez-toc-section\" id=\"TDS_not_needed\"><\/span>TDS not needed:<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">As long as the investor is a resident, no TDS is required on the SWP amount.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Types_of_SWP\"><\/span>Types of SWP<span style=\"font-weight: 400;\">\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Here are the kinds of SWP:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h4><span class=\"ez-toc-section\" id=\"Fixed_amount_SWP\"><\/span>Fixed amount SWP:<span style=\"font-weight: 400;\">\u00a0 <\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<h4><\/h4>\n<p><span style=\"font-weight: 400;\">In this type of SWP, a predetermined fixed amount is redeemed from the mutual fund scheme as per the withdrawal plan dates.<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>\n<h4><span class=\"ez-toc-section\" id=\"Capital_appreciation_SWP\"><\/span>Capital appreciation SWP:<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<h4><\/h4>\n<p><span style=\"font-weight: 400;\"> In this type of SWP, any appreciation in the mutual fund scheme on the withdrawal plan date is redeemed from the fund periodically.<\/span><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Why_should_one_use_SWP\"><\/span>Why should one use SWP?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Here are some salient reasons why you should use SWP:\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"The_second_source_of_income\"><\/span>The second source of income:<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>Any investor familiar with SWP must be aware that it could be a second source of income in the long term, which can have inflation-beating benefits for the cost of living.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Capital_protection\"><\/span>Capital protection:<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\"> Conservative investors who are not welcome or tolerant of risk can invest in mutual fund schemes and choose to only receive capital returns as SWP.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"Create_ones_pension\"><\/span>Create one&#8217;s pension:<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Investors can create their pension fund by investing their retirement fund into mutual fund schemes suited to their <a href=\"https:\/\/kuvera.in\/blog\/what-is-a-risk-profile\/\">risk profile<\/a> and have a regular cash flow at a chosen frequency.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">\n<h4><span class=\"ez-toc-section\" id=\"To_save_tax\"><\/span>To save tax:<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">As mentioned earlier, since there is no TDS on the capital gains made through SWP, investors with a high tax bracket might find this helpful.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Key_Takeaways\"><\/span>Key Takeaways<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">To summarise, an investor can set up an SWP as per their financial needs and investment objectives which can then turn into a profitable investment and even a second stream of income.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Though mutual funds are directly subject to market fluctuations, SWP can help investors withdraw according to their financial objectives. It ensures the availability of funds at the right time.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4><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\">Zen And The Art Of Investing<\/a><\/p>\n<p>Watch\/hear on YouTube:<\/p>\n<p>&nbsp;<\/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<div class=\"embed-container\"><iframe src=\"https:\/\/www.youtube.com\/embed\/dbxbBR7it10?list=PLDSzQdT9nLmBFD2p94O5p2pZ4vEUR-Thz\" 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>Start investing through a platform that brings goal planning and investing to your fingertips. Visit <a href=\"https:\/\/app.kuvera.in\/\">Kuvera.in<\/a> to discover <a href=\"https:\/\/kuvera.in\/blog\/direct-plans-better\/\">Direct Plans<\/a> and <a href=\"https:\/\/app.kuvera.in\/explore\/fixed-deposit\/c\/all\">Fixed Deposits<\/a> and <a href=\"https:\/\/kuvera.in\/user\/login\">start investing today.<\/a><\/p>\n<p>#MutualFundSahiHai #KuveraSabseSahiHai!<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\ufeff\ufeff Every investor has varied financial needs and objectives. For example, while some may want capital gains, others seek regular dividends from their investments. Fund houses set up various facilities and instruments for the different needs of investors. This includes the facility of a Systematic Withdrawal Plan (SWP). &nbsp; Continue reading to find out more [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/swp-systematic-withdrawal-plan\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":11,"featured_media":13307,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[112,99,822,837],"tags":[67,17,838,1129,1128,839],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>SWP: Systematic Withdrawal Plan - Kuvera<\/title>\n<meta name=\"description\" content=\"An Systematic Withdrawal Plan(SWP) permits an investor to take out money from an existing mutual fund scheme at predetermined periods.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kuvera.in\/blog\/swp-systematic-withdrawal-plan\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"SWP: Systematic Withdrawal Plan - 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