How to time your SWP to get the most out of your SIP

Feb 17, 2026 | 17:49 IST

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A well-timed Systematic Withdrawal Plan ensures your hard-earned corpus survives market shocks and funds your life goals smoothly

In Jan 2026, investors channelled Rs 31,000 crore into mutual funds through systematic investment plans (SIPs). The SIP habit is now deeply entrenched. Setting aside fixed sums for SIPs has become a frictionless route to wealth creation.

But the real test begins when you start using it. Without a planned withdrawal strategy, years of disciplined investing can unravel quickly. That’s why every SIP needs a companion, a Systematic Withdrawal Plan (SWP).
SIP is an effective accumulation tool, but it does not guarantee a smooth outcome. The exit point for the SIP remains crucial to the entire return experience. It doesn’t matter how long your SIP has run or in which market conditions you initiated it. A downturn in the final stretch can derail your plans.

TOI

TOI

How to time your SWP to get the most out of your SIP

A well-timed Systematic Withdrawal Plan ensures your hard-earned corpus survives market shocks and funds your life goals smoothly

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TOI

How to time your SWP to get the most out of your SIP

A well-timed Systematic Withdrawal Plan ensures your hard-earned corpus survives market shocks and funds your life goals smoothly

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