Most popular, or shall I say most sold way of redeeming from equity funds in deaccumulation phase (retirement?) is the monthly “Systematic Withdrawal Plan (SWP)” way, like monthly SIP is for investing and building the corpus. Key benefit of monthly SWP: It’s like getting a pension on a particular day. There is sort of continuity in getting regular income in the bank. Plus there is a forced limit on your spending as you get to spend only that amount which you get in your bank savings a/c from the SWP. Key cons of monthly SWP: In the short horizon of few months or even a year, equity market’s can yo – yo. Sometimes, A LOT . Here we saw that there is 22% chance of losing a large part of your capital with investing horizon of an year. In fact, here we have seen that there have been instances of equity markets delivering losses even on a 5 year horizon basis. If I had to work out withdrawal strategy for myself which will be funding my regular expenses sans a salary, I would foll...