Fund query: How to use SWPs for post-retirement expenses × I am an NRI and have accumulated ₹1.5 crore through SIPs over the last 10 years. I am 61 years old and plan to settle in India after I retire, one year from now. I hold ICICI Prudential Equity & Debt, Invesco India Contra Fund, Tata Multicap, ICICI Prudential Balanced Advantage and Mirae Asset Emerging Bluechip. If I were to use a Systematic Withdrawal Plan (SWP) from these funds to generate an income of ₹30,000 a month, do I need to change my mix of funds? Do I need to keep more in debt funds as the market is volatile? Should I do SWPs from one fund or many? I would also like my income to grow 6 per cent a year. What are the tax implications?