SWP vs FD — The Real Numbers

Most salaried investors park their money in FDs because it feels safe. But safe and smart are not the same thing.

This free one-pager breaks down the real numbers — tax impact, post-inflation returns, and monthly income potential — between a Fixed Deposit and a Systematic Withdrawal Plan from a mutual fund.

What's inside:

→ Side-by-side comparison: ₹25 lakh in FD vs ₹25 lakh in a balanced MF via SWP

→ Real post-tax returns (FD interest is fully taxable at your slab rate — most people don't realise this)

→ How SWP creates monthly income with lower tax impact through indexation & LTCG benefits

→ Inflation impact over 10 years — and which option actually preserves your purchasing power

→ A simple decision framework: when FD makes sense vs when SWP wins

Who is this for:

Salaried professionals, retirees, and HNIs who have a lump sum sitting in an FD and are wondering if there's a smarter way to generate monthly income without taking on unnecessary risk.

100% free. No strings attached.

If the numbers make you want to revisit your own portfolio — you can book a paid session directly from my profile.