{"id":21386,"date":"2023-02-10T16:12:50","date_gmt":"2023-02-10T10:42:50","guid":{"rendered":"https:\/\/kuvera.in\/blog\/?p=21386"},"modified":"2023-05-23T13:46:31","modified_gmt":"2023-05-23T08:16:31","slug":"what-is-swp-systematic-withdrawal-facility","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/what-is-swp-systematic-withdrawal-facility\/","title":{"rendered":"What is SWP (Systematic Withdrawal Facility)?"},"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-69d3a37ebd6b1\" 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-69d3a37ebd6b1\"><\/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-4'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/kuvera.in\/blog\/what-is-swp-systematic-withdrawal-facility\/#Introduction_to_Systematic_Withdrawal_Facility\" title=\"Introduction to Systematic Withdrawal Facility\">Introduction to Systematic Withdrawal Facility<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/kuvera.in\/blog\/what-is-swp-systematic-withdrawal-facility\/#Mutual_fund_withdrawal\" title=\"Mutual fund withdrawal\">Mutual fund withdrawal<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/kuvera.in\/blog\/what-is-swp-systematic-withdrawal-facility\/#How_does_SWP_work\" title=\"How does SWP work?\">How does SWP work?<\/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\/what-is-swp-systematic-withdrawal-facility\/#Selecting_the_best_SWP_for_monthly_income\" title=\"Selecting the best SWP for monthly income\">Selecting the best SWP for monthly income<\/a><\/li><\/ul><\/nav><\/div>\n<p>&nbsp;<\/p>\n<div class=\"embed-container\">\n<div class=\"embed-container\">\n<div class=\"embed-container\">\n<div class=\"embed-container\">\n<div class=\"embed-container\">\n<div class=\"embed-container\">\n<div class=\"embed-container\">\n<div class=\"embed-container\"><iframe src=\"https:\/\/www.youtube.com\/embed\/8cm9Mvg5Gt4\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/div>\n<\/div>\n<\/div>\n<div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p>&nbsp;<\/p>\n<p>We have all heard of SIP or Systematic Investment Plan but what is SWP? Let&#8217;s know all about SWP today.<\/p>\n<p>&nbsp;<\/p>\n<p>SWP is a facility that makes sure you get the money out of your investment whenever you need it. So, go through the video and description and let us know if you have any questions.<\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Introduction_to_Systematic_Withdrawal_Facility\"><\/span><strong>Introduction to Systematic Withdrawal Facility<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p>It is a fact that market fluctuations directly impact our mutual fund investments. In other words, the fluctuations could negatively impact the fund&#8217;s Net Asset Value (NAV). The fund returns can deteriorate if not withdrawn on time, particularly when a person is getting close to a financial goal.<\/p>\n<p>&nbsp;<\/p>\n<p>The \u2018Systematic Withdrawal Plan\u2019 (SWP) aims to mitigate market risks. You can time your withdrawals using SWP to suit your financial goals. It will guarantee that the money is available when needed. By opting for an SWP, you can ensure that your financial goals do not suffer from a fund crunch brought on by negative market swings.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/kuvera.in\/fixed-deposit\/all\"><img loading=\"lazy\" class=\"aligncenter wp-image-22082\" src=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2023\/03\/FD-Banner-01-03-300x76.jpg\" alt=\"\" width=\"640\" height=\"161\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2023\/03\/FD-Banner-01-03-300x76.jpg 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2023\/03\/FD-Banner-01-03-150x38.jpg 150w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2023\/03\/FD-Banner-01-03.jpg 600w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>A systematic withdrawal plan is a scheduled withdrawal plan most commonly used for retirement savings. This withdrawal plan can be set up for nearly any investment instrument available in the market. Investors can withdraw a lump sum from their mutual fund scheme on a predetermined date monthly, quarterly, semi-annually, or annually, as per their choice and needs. This facility gives investors the ability to tailor their cash flow to their requirements and preferences. The amount to be withdrawn can be fixed or variable.<\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Mutual_fund_withdrawal\"><\/span><strong>Mutual fund withdrawal<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p>The process of liquidating one\u2019s investments (mutual funds) is referred to as mutual fund withdrawal. It is also known as the redemption of mutual funds as the investor is redeeming the units available when they are withdrawing or taking away the money invested into the scheme. It is pertinent to note that any investment in an open-ended scheme can be withdrawn at any point in time. However, investments in the Equity Linked Saving Scheme (ELSS) are an exception, as these have a lock-in period of 3 years.<\/p>\n<p>&nbsp;<\/p>\n<p>The systematic withdrawal facility is vastly different from normal withdrawal. An SWP allows investors to withdraw a fixed or a variable amount of money on a pre-decided date, which can be monthly, bi-monthly, quarterly, or vary as per the needs and choices of the investor.<\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"How_does_SWP_work\"><\/span><strong>How does SWP work?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p>It is crucial to understand how exactly a systematic withdrawal plan works before investing in one. You should be aware that an SWP also impacts your mutual fund account.<\/p>\n<p>&nbsp;<\/p>\n<p>You are initially required to invest a lump sum into a mutual fund scheme from which you will receive a certain amount at pre-decided, regular intervals into your bank account, much like a salary. This facility lets you manage your funds in a disciplined and planned manner. The amount that is left in the mutual fund after these regular deductions is what the investors receive interest on.<\/p>\n<p>&nbsp;<\/p>\n<p>SWP is beneficial for a diverse population, including those:<\/p>\n<p>&nbsp;<\/p>\n<p>&#8211; looking for a regular source of secondary income<br \/>\n&#8211; looking for capital protection<br \/>\n&#8211; who are in the higher tax bracket<br \/>\n&#8211; who wish to create a pension fund<\/p>\n<p>&nbsp;<\/p>\n<p>SWPs have attractive features and are popular among a wide investor base looking for the perfect investment scheme.<\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Selecting_the_best_SWP_for_monthly_income\"><\/span><strong>Selecting the best SWP for monthly income<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p>How does an investor choose the best SWP from among the various plans available in the market?<\/p>\n<p>&nbsp;<\/p>\n<p>Planning before investing in an SWP is extremely important. Investing in an SWP cannot be a hasty decision. It requires a certain amount of research, calculation, and proactive planning. All this can be done with the help of instruments such as an SWP Calculator or a standard retirement calculator.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/kuvera.in\/calculators\/swp-calculator\">Investment planning tools<\/a> can help calculate the <a href=\"https:\/\/kuvera.in\/goals\">goal<\/a> amount to meet withdrawal requirements throughout the course of a predetermined utilisation phase. With careful planning and consideration, you can make a wise and informed decision that best suits your personal requirements.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/kuvera.in\/calculators\/swp-calculator\">Calculators<\/a> can help you figure out how much you will need to save to attain your goal and the monthly amount you will need to withdraw through your systematic withdrawal plan.<\/p>\n<p>&nbsp;<\/p>\n<p>Additionally, one may choose to invest through <a href=\"https:\/\/kuvera.in\/\">Kuvera<\/a>, an online financial planning and investing platform.<\/p>\n<p>&nbsp;<\/p>\n<p>Kuvera helps you make informed choices by comparing the best Systematic Withdrawal Plans that would suit your requirements. The results are presented in a tabular manner to help you understand and interpret them better, thereby enabling you to make the right decision!<\/p>\n<p>&nbsp;<\/p>\n<p>Watch the video above by <a href=\"https:\/\/kuvera.in\/amc\/absl\">AdityaBirlaCapital<\/a> to know all about SWP.<\/p>\n<p>&nbsp;<\/p>\n<p>Blog updated on 18th May 2023.<\/p>\n<p>&nbsp;<\/p>\n<p><em>Interested in how we think about the markets?<\/em><\/p>\n<p><strong>Read more: <a href=\"https:\/\/kuvera.in\/blog\/category\/zen-and-the-art-of-investing\/\">Zen And The Art Of Investing<\/a><\/strong><\/p>\n<p>&nbsp;<\/p>\n<p><strong>Watch here:<\/strong> How to invest during a bear market?<\/p>\n<div class=\"embed-container\">\n<div class=\"embed-container\">\n<div class=\"embed-container\"><iframe src=\"https:\/\/www.youtube.com\/embed\/PTJ_lQXIAQ4\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-mce-fragment=\"1\"><\/iframe><\/div>\n<\/div>\n<\/div>\n<div><\/div>\n<p>Start investing through a platform that brings goal planning and investing to your fingertips. Visit <a href=\"https:\/\/www.youtube.com\/watch?v=R7g03UwJAT8&amp;utm_source=Blog&amp;utm_medium=Weekly+wrap+22nd+July\" target=\"_blank\" rel=\"noopener\">kuvera.in<\/a> to discover Direct Plans and <a href=\"https:\/\/kuvera.in\/explore\/fixed-deposit\/c\/all\">Fixed Deposits<\/a> and start investing today. #MutualFundSahiHai #KuveraSabseSahiHai<\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; &nbsp; We have all heard of SIP or Systematic Investment Plan but what is SWP? Let&#8217;s know all about SWP today. &nbsp; SWP is a facility that makes sure you get the money out of your investment whenever you need it. So, go through the video and description and let us know if you [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/what-is-swp-systematic-withdrawal-facility\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":11,"featured_media":21396,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[99,822],"tags":[67,838,1129,1128,839],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What is SWP (Systematic Withdrawal Facility)?<\/title>\n<meta name=\"description\" content=\"Understand all about SWP(Systematic Withdrawal Facility), how is it beneficial, how it works and who should invest in them.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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