Retirement Planning: Turn Your Corpus into Monthly Cash Flow with Smart Strategies

• Retirement planning now focuses on building steady, predictable income for life after work, crucial with rising inflation and longer life expectancy.
• Investors have multiple options like SWPs, dividends, NPS, EPF, FDs, and bonds; the key is combining them effectively.
• Suresh Sadagopan, Founder of Ladder7 Wealth Planners, highlights mutual fund Systematic Withdrawal Plans (SWPs) as a flexible tool for regular income.
• SWPs offer tax efficiency (capital gains) and flexibility to start, stop, or adjust withdrawals, unlike dividend options.
• NPS is a strong long-term product with partial tax-free withdrawal at 60, while EPF, PPF, FDs, bonds provide stable income but may lack flexibility when interest rates fall.