SWP vs Fixed Deposit: Choosing the Right Income Strategy for Retirement

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Most professionals have similar dream. Build a corpus.

And one day… live off it peacefully.

If not lavishly, but atleast comfortably

So here’s a simple question

If you had ₹1 Crore, and you withdrew 10% every yr to run your life…

How long would your money last?

I ran the numbers for 20 years.

Same return assumption. (8%)

Same withdrawal rate. (10%)

Only instrument changed

✅ Equity SWP

V/s

✅ Fixed Deposit

And the results are surprising

Because the real differentiator isn’t return.

It's the tax structure.

FD looks safe…but it taxes you every year, automatically.

SWP isn’t “interest income”…it’s a structured redemption, where only the gain portion is taxed.

That small difference becomes massive over time.

Originally published on LinkedIn

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