Systematic Withdrawal Plan (SWP)
Generate consistent monthly income from your PSX or Shariah-compliant mutual fund portfolio while preserving and compounding your capital.
Standard SWP Calculator
Model fixed monthly withdrawals against compounded annual portfolio returns. Track whether your principal grows or depreciates.
Inflation-Adjusted SWP
Step up your monthly withdrawal every year to match Pakistan's inflation rate. Ensure your purchasing power stays intact.
Corpus Longevity Check
Find out exactly how many years and months your nest egg will last before hitting zero, or if it qualifies for perpetual sustainability.
Understanding Systematic Withdrawal Plans (SWP)
How SWPs provide steady halal passive income from Pakistan Stock Exchange (PSX) assets and Islamic mutual funds.
A Systematic Withdrawal Plan (SWP) allows you to redeem a fixed or flexible amount from an accumulated mutual fund or equity portfolio on a recurring schedule (monthly, quarterly, or annually). While you withdraw money for household expenses or retirement, the remaining corpus continues to generate compound capital gains and dividends.
Yes, provided the underlying investment vehicle is Shariah-compliant (such as KMI-30 dividend stocks, Meezan Islamic Income Funds, or Sukuks). Unlike interest-bearing fixed annuities (which involve Riba and Gharar), an SWP simply sells units of your own halal assets periodically.
While dividends depend entirely on corporate declarations and quarterly board meetings, an SWP gives you automated, predictable monthly income. You can adjust the withdrawal amount anytime to match your budget without waiting for dividend seasons.
A fixed Rs 50,000 monthly withdrawal may cover living costs today, but over 10-15 years, inflation reduces purchasing power. Our Inflation-Adjusted module lets you model a 5%-10% annual step-up to preserve real living standards.