IDCW vs SWP: which of these options should retirees choose and why
· livemint.com
IDCW payouts from mutual funds are neither guaranteed nor necessarily tax-efficient. For retirees seeking regular cash flows, a disciplined SWP can offer greater control over withdrawals and taxation.
In challenging years, if the scheme has not fared well, the fund may not announce an IDCW payout. Even if you have invested in a scheme under the “monthly IDC...