A good retirement plan isn’t just about saving — it’s about turning those savings into a reliable income stream. After you stop earning, you need a mix of stability, liquidity, and tax efficiency to make your corpus last. That’s where tools like Systematic Withdrawal Plans (SWPs), annuities, Post Office Monthly Income Schemes (POMIS), and laddered fixed deposits come in. Used together, they can help you earn regular income while keeping taxes manageable.

SWPs for flexibility and tax efficiency

If you’ve invested in mutual funds, a Systematic Withdrawal Plan lets you draw a fixed amount each month instead of redeeming everything at once. You can choose how much and how often to withdraw. The advantage is flexibility — and in equity or balanced funds, you may pay lower tax on long-term cap

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