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 muc