Detailed Analysis
SIP and SWP are mirror images of each other — one builds wealth, the other generates income from it.
SIP invests a fixed amount monthly, buying more units when markets are low and fewer when high. It's the foundation of long-term wealth building for salaried individuals. The discipline of regular investing, combined with market compounding, creates substantial wealth over 15-20+ years.
SWP does the reverse — it withdraws a fixed amount monthly from your mutual fund corpus. It's perfect for retirees who want regular income without selling their entire investment. The remaining corpus continues to grow, potentially outlasting the withdrawals.