For retirees and for those working towards financial independence, the question shifts from how to grow money to how to draw from it sensibly. A Systematic Withdrawal Plan can provide regular income while the remaining corpus stays invested.
Why it matters
- Withdrawing too much too early can deplete a corpus faster than expected.
- Inflation means the income you need will rise over time.
- The right mix of growth and stability helps income last longer.
What we look at together
- 01Monthly income needed and its growth
- 02Corpus available
- 03Sustainable withdrawal rate
- 04Allocation between growth and stability
- 05Tax on withdrawals
- 06Annual review of the withdrawal plan