Best 3 SWP for Retirees in Feb 2025 with Top Fund Delivering Over 30% Return

For retirees, a Systematic Withdrawal Plan (SWP) is an effective way to generate a stable monthly income while keeping their capital invested in growth-oriented mutual funds. Aggressive hybrid funds are an attractive option for SWP, balancing high equity exposure with debt stability.

In this article, we shared the top 3 aggressive hybrid funds that can be used for SWP in February 2025, with one delivering an impressive 31.01% XIRR return.

Note: These funds have been selected based on their performance over the past 5 years. NAV is as of February 17, 2025. 

1. Quant Absolute Fund

• Expense Ratio: 0.69% (Direct Plan as of January 31, 2025)
• Exit Load: 1% if redeemed within 15 days
• Minimum Investment: ₹5,000
• Minimum Additional Investment: ₹1,000
• Minimum SIP Investment: ₹1,000

2. Bank of India Mid & Small Cap Equity & Debt Fund

• Expense Ratio: 0.89% (Direct Plan as of January 25, 2025)
• Exit Load: 1% if redeemed within 3 months
• Minimum Investment: ₹5,000
• Minimum Additional Investment: ₹1,000
• Minimum SIP Investment: ₹1,000

3. JM Aggressive Hybrid Fund 

• Expense Ratio: 0.71% (Direct Plan as of January 25, 2025)
• Exit Load: 1% if redeemed within 60 days
• Minimum Investment: ₹1,000
• Minimum Additional Investment: ₹100
• Minimum SIP Investment: ₹100

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions. 

Mutual Fund investments in the securities market are subject to market risks, read all the related documents carefully before investing.