How to Choose a Safe SWP Withdrawal Rate for Your Retirement

Finding Your Rate

The 4% rule suggests withdrawing 4% of your initial corpus yearly. For a ₹1 crore corpus: ₹40,000/year or ₹3,333/month. For Indian investors, 5% is often used (₹4,167/month per crore). The SWP calculator lets you test different rates to see how long your corpus lasts.

Stress-Testing Your Plan

Use the SWP calculator to test different scenarios: (1) Expected scenario — 8% returns, (2) Conservative — 6% returns, (3) Bear market — first 5 years with 3% returns. If your corpus survives the bear market scenario, your withdrawal rate is likely safe.