SWP: How to Pay Yourself a Monthly Income From Mutual Funds

An SWP redeems a fixed amount on a fixed date, turning a lump sum into a monthly salary

Only the gain portion of each withdrawal is taxed, not the whole amount — unlike FD interest

Equity LTCG is 12.5% above ₹1.25 lakh of gains a year; early SWP years can be near tax-free

Keep withdrawals near 6% a year so the corpus survives bad market stretches

Debt funds bought after 1 April 2023 lose the tax edge — gains are taxed at your slab

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