NPS or mutual fund SWP for pension: While a hybrid strategy could be the best way to sustain your income, the latter may give you better returns
Last Update Date: 06-10-2026
Published by Bhaskar English
Abhishek Kumar's role: Quoted
Abhishek Kumar said both routes have strengths and weaknesses and suggested a hybrid approach: buying an annuity with part of the corpus for a steady pension and placing the rest in an equity-debt bucket strategy, drawing from the debt portion, to cope with inflation.
More of Abhishek's views on retirement
The article compares the National Pension System with systematic withdrawal plans from mutual funds as ways to draw a retirement income. Planners weigh costs, the annuity rule on NPS exit, tax treatment and control over the corpus, and several suggest that combining the two can balance steady income with growth.
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NPS or mutual fund SWP for pension: While a hybrid strategy could be the best way to sustain your income, the latter may give you better returns