SIP to SWP Retirement Strategy: How a Rs 20,000 SIP Can Grow to Rs 3.8 Crore and Deliver 5% Income

A well-planned SIP to SWP retirement strategy can turn disciplined monthly investing into a powerful source of post-retirement income. For instance, investing Rs 20,000 every month through a Systematic Investment Plan (SIP) for 25 years can potentially build a corpus of nearly Rs 3.8 crore. By shifting this amount into a Systematic Withdrawal Plan (SWP) with a 5% annual withdrawal, retirees may generate steady income while keeping their money invested to beat inflation.