MAM
Maximising your retirement corpus with SWP in mutual funds
A comfortable retirement depends on not just a well-built corpus but also a strategic approach to manage it. A Systematic Withdrawal Plan (SWP) in mutual funds offers retirees the ideal blend of regular income and sustained growth. With SWP, retirees can withdraw a fixed sum at regular intervals while keeping their investments active in the market, ensuring financial independence and longevity of their savings.
What is SWP and why is it beneficial?
SWP allows you to withdraw a pre-determined amount from your mutual fund investment at intervals you choose – monthly, quarterly, or annually. Unlike lump-sum withdrawals, an SWP ensures a steady cash flow while your remaining investment continues to generate returns.
Here’s why SWP is ideal for retirees:
1. Regular income: It replaces a salary, providing a steady stream of money to cover monthly expenses.
2. Tax efficiency: Withdrawals are taxed on the gains component only, unlike fixed deposits, which are fully taxable.
3. Market participation: Even after withdrawals, the remaining corpus stays invested, benefiting from market-linked growth.
4. Flexibility: You can modify or stop SWP as your needs change.
Steps to maximise your retirement corpus with SWP
1. Choose the right funds
Selecting the right mutual funds is key. Retirees may opt for:
. Hybrid funds: A mix of equity and debt for balanced risk and returns.
. Debt funds: For stability and consistent returns.
. Equity funds: Higher returns but suitable only for those comfortable with moderate risk.
2. Set realistic withdrawal rates
To ensure your funds last, stick to a withdrawal rate of 4-5% annually. Overdrawing may deplete your corpus quickly, while under-withdrawing may leave funds underutilised.
3. Account for inflation
Expenses will rise over time due to inflation. Plan SWP increments periodically to ensure your purchasing power remains intact.
4. Monitor and rebalance
Markets fluctuate, and your risk tolerance may change as you age. Regularly review your portfolio and rebalance to align with your evolving financial goals. For instance, gradually shifting more funds into safer debt instruments as you grow older can protect your corpus.
Example of SWP in action
Let’s assume you invest Rs. 50 lakh in a hybrid mutual fund earning 10% annual returns. With a withdrawal rate of Rs. 40,000 per month (Rs. 4.8 lakh per year), you’ll still grow your corpus over time because the returns outpace withdrawals. This sustainable strategy ensures that your wealth lasts longer while meeting your financial needs.
Advantages of SWP over other options
. Better liquidity: Unlike fixed deposits, SWPs provide regular income without locking in your funds.
. Wealth preservation: Your corpus remains invested, offering the potential for inflation-beating growth.
. Low emotional bias: Automation prevents emotional decision-making during market volatility.
Conclusion
An SWP is an excellent strategy for retirees seeking steady income without compromising the growth of their savings. By choosing the right funds, setting sustainable withdrawal rates, and accounting for inflation, retirees can enjoy financial stability and peace of mind. SWP ensures your retirement corpus not only sustains your golden years but also leaves behind a legacy for the next generation. With an SWP, you’re not just withdrawing money – you’re maximising the potential of your hard-earned wealth.
MAM
Ad:tech honours 2026: Full list of winners announced
Expanded awards spotlight winners across 22 categories as industry doubles down on intelligent automation
NEW DELHI: Marketing’s tech elite took the spotlight as the ad:tech honours 2026 returned with a sharper focus on AI, data and immersive media, signalling how deeply technology now underpins brand strategy. Held at Yashobhoomi on March 17, the second edition drew industry leaders to celebrate innovation that is reshaping engagement and performance.
Presented with the International Advertising Association India chapter and new partner Huella, the awards expanded from 8 to 22 categories, tracking the rapid convergence of creativity, automation and analytics.
The winners’ list reads like a snapshot of marketing’s future. In affiliate and partner marketing, Lyxel & Flamingo – Boat and Paytm Ads – Giva took silver. Mobavenue Media Private Limited struck gold in AI-driven dynamic creative optimisation, alongside a silver for Laqshya Media Limited.
Creative AI collaboration saw Rediffusion Brand Solutions Private Limited win gold, with Saltinc Consulting Private Limited securing silver. Laqshya Media Limited continued its strong run, taking gold in AI conversation agents and adding multiple wins across categories, including silver in GenAI-led creative and both gold and silver in interactive DOOH campaigns for Tanishq and Tata Coffee.
Predictive AI honours went to Strong Metrics and Tyroo, both silver, while Orient Bell Limited picked up silver in immersive retail tech. In GenAI-led creative, Laqshya Media Limited, Salt – Kotak and Sumimoto each secured silver, reflecting the crowded race in generative creativity.
Publicis bagged silver in influencer management and gold in performance marketing, where it shared the stage with Arm Worldwide and The Trade Desk, both silver. Glad U Came Private Limited stood out with gold in influencer measurement and analytics.
Marketing automation saw CereOne Media Pvt. Ltd. and Globale Media win silver, while ADMOTT Private Limited claimed silver in OTT innovation.
Programmatic media categories highlighted the shift to advanced targeting and connected screens. Mobavenue Media Private Limited clinched gold in connected TV advertising, with Animmoov Digital Media Pvt Ltd – Asus and Lyxel and Flamingo taking silver. Cheggout Services Private Limited won silver in retail media advertising, while Paytm Ads – Versuni secured gold.
On social platforms, Vayner Media India took gold in community and UGC engagement, with Under 25 – Oppo winning silver. Segumento rounded off the list with silver in the innovation category.
Jaswant Singh, country managing director at ad:tech India, underscored the momentum, saying generative AI and data-driven decision-making are now central to marketing impact. Neena Dasgupta, IAA mancom member and chief executive and founder at The Salt Inc Consulting, added that the awards celebrate not just technology, but “the people, the creativity, and the relentless effort behind it.”
Backed by Comexposium Group, ad:tech New Delhi has long tracked digital disruption. Now, with the honours, it is rewarding those who are not just adapting to change but engineering it.
In an industry racing towards automation, the message from 2026 is unmistakable. The future of marketing will be written not just in ideas, but in algorithms.
