Robert kiyosaki in his famous book 'Rich Dad poor Dad' talks about importance of cashflow/Passive income. He says when you go on holidays your income goes on holiday (Active Income) but cash flow/PV remains the same whether you are working or not. Passive income gives confidence and freedom. SWP in mutual funds gives monthly income. SIP is powerful but SWP is more powerful. Imagine on the 1st of every month ₹ 35000 getting credited to your bank account. And you are enjoying the benefits of monthly cashflow. Everyone needs monthly income. Old peoples, businessmen, housewives or even younger ones in their 30’s and 40’s. You don’t need 10 Lakhs or 20 lakhs initially. You can start with even 2 lakhs and build your corpus slowly and steadily. Your first goal should be to generate income of 10500 per month. For that you need to accumulate 15 lakhs. Rates are also at attractive level you are likely to get 9% plus with the chance of getting an additional bonus at the end of maturity. It’s due to the higher yield of the Govt of India bonds ,attractive rate of interest and Indian Equity markets. Start with 1 or 2 lakh and slowly increase your corpus. Do let me know if you have any query. . . . . Blog is written by Santosh Akerkar for investors Educational and awareness purpose.