Hey everyone, I wanted to share something I’ve been working on recently—revisiting my mutual fund investment strategy. Like many of you, I started with a SIP (Systematic Investment Plan) a few years ago to build wealth slowly and consistently. The idea of investing a fixed amount monthly seemed easy and low-risk, and I loved how it brought discipline to my savings. It’s a great way to benefit from rupee cost averaging and compounding, especially when investing for long-term goals like buying a house or saving for retirement. However, now that I'm moving closer to some of those goals, I’ve been researching how to use my accumulated funds effectively. That’s when I came across the concept of SWP (Systematic Withdrawal Plan). It allows you to withdraw a fixed amount from your mutual fund regularly, while the rest of your investment continues to earn returns. This is perfect for creating a second income source, especially during retirement or semi-retirement. To figure out how much I could withdraw without exhausting my investment too soon, I used an SWP Calculator. Honestly, it was a game changer. The calculator helped me understand how long my money would last depending on my withdrawal amount and the expected return rate. It’s an excellent tool if you want to avoid overspending and want a steady cash flow. I think both SIP and SWP are crucial strategies that serve different phases of your financial journey—SIP for wealth creation, and SWP for wealth utilization. What I love about this approach is that you don’t have to rely only on fixed deposits or pensions for income. With a good mutual fund plan and tools like the SWP Calculator, you can structure your portfolio to match your needs exactly. Has anyone here transitioned from SIP to SWP? What tips would you share? Also, are there any other reliable tools you use besides a basic SIP calculator or SWP calculator? Let’s help each other make more informed choices. Excited to hear your thoughts and suggestions! Cheers,