Turn Your Lump Sum Into a Monthly Income
A step-by-step course showing you how to get a steady monthly payout from your mutual funds for rent, EMIs, school fees, or daily expenses.
Why I Built This Course
"Most investors have a lump sum sitting in an FD or savings account. They want monthly income but don't know how to set it up without eating into their capital. SWP solves exactly this problem, and this course shows you how to do it the right way."
Shubham Gupta
Founder, RupeeFlex
Is This Course Right For You?
Find out if the SWP Masterclass is what you need right now.
This is for you if...
- You have a lump sum to invest from retirement, property sale, bonus, or inheritance
- You want fixed monthly income for rent, EMIs, school fees, or daily expenses
- You want to maximise tax efficiency and make your corpus last longer
- You want a simple framework without complex financial jargon
Not for you if...
- You are still building wealth through SIPs and have no lump sum to invest
- You are in the very early stages of investing with a short-term horizon
- You want guaranteed returns similar to an FD or insurance plan
Plan Your Monthly Income
Set up SWP to cover rent, EMIs, school fees, or household costs every single month, without touching your principal.
Compare Tax Options Clearly
Understand exactly how SWP is taxed compared to FD interest and dividend payouts, so you keep more of what you earn.
Make Your Money Last
See exactly how long your money will last, and adjust before it's too late.
Choose the Right Fund
Use a simple framework to shortlist funds that suit your income needs, risk appetite, and time horizon.
Set the Right Withdrawal Amount
Decide a withdrawal amount your corpus can comfortably sustain for years, backed by real numbers and scenarios.
Know the Full Setup Process
Learn advanced strategies to compound your returns and reach your financial goals faster than traditional methods.
Included with Every Plan
Curriculum
Five focused modules, each covering one key part of setting up a successful SWP.
SWP Fundamentals and Mechanics
Understand what a Systematic Withdrawal Plan actually is and how it pays you a fixed amount from your mutual fund every month. We start from zero and build a solid foundation.
- How SWP works step by step
- How units are redeemed each month
- SWP vs. fixed deposit comparison
SWP vs. Dividend Option: Which Is Better?
Most investors don't realise that dividends from mutual funds are not predictable. This module shows you why SWP gives you far more control over your income.
- Why dividends can be cut or stopped
- Tax treatment differences
How Much Tax Will You Actually Pay?
Taxation is where most investors get confused. This module breaks it down clearly so there are no surprises when you file your returns.
- Short-term vs. long-term capital gains
- How equity and debt funds are taxed
- Real-world tax examples with numbers
Which Mutual Funds Work Best for Monthly Income?
Not every mutual fund is suitable for SWP. Learn to identify the right category of fund based on your income goal, time horizon, and risk comfort.
- Equity vs. hybrid vs. debt funds
- Stability vs. growth trade-offs
- Fund characteristics to look for
Scheme Selection and Sustainable Withdrawal Rates
This is the most practical module. Get a step-by-step framework to shortlist specific schemes and figure out exactly how much you can withdraw each month without depleting your corpus.
- How to evaluate and shortlist schemes
- Calculating a safe withdrawal rate
- Reviewing and adjusting over time
Shubham Gupta
Shubham founded RupeeFlex to make investing simple and accessible for everyday Indian investors. He has helped over 970 investors understand mutual funds, SWP, and systematic investing. His teaching style is practical, jargon-free, and built for real-life financial decisions.
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What Our Community Is Saying
Choose the Right Plan
One-time payment. One full year of access. Start learning today.
SWP Masterclass
The complete course for lump sum investors who want monthly income.
- 5 Core SWP Modules
- SWP Calculator Tool
- 365-Day Access
- Community Access
RupeeFlex Membership
Full access to every course on the RupeeFlex platform, including all future releases.
- Member's Only Whatsapp Community
- Live Investing Roadmaps
- Access 12+ Investment Roadmaps
- New Courses Added Monthly
- All Calculators and Planner
- Exclusive Community Access
- Live Mutual Fund Market Connect Session
Choose the Right Plan for You
One Membership. Every Course. No Extra Purchases.
Unlock all 7 live courses the moment you subscribe, plus every new course the day it launches.
SWP Course
5 modules covering everything about Systematic Withdrawal Plans, from basics to fund selection and tax-efficient withdrawal strategy.
Mutual Fund Masterclass
A complete beginner-to-intermediate guide on how mutual funds work, how to pick them, and how to track them.
Retirement with Mutual Funds
Build a retirement corpus using mutual funds, how much you need, which funds to pick, and how to make the money last.
ETF Investing
Understand exchange-traded funds from scratch, how they work, how they differ from index funds, and how to invest in them simply.
IPO Investing: Listing or Long Term?
Decode IPOs, how to evaluate them, whether to apply for listing gains or hold long term, and when to skip entirely.
Portfolio Management
Deep dive into asset allocation, rebalancing, and managing a multi-asset portfolio for long term wealth creation.
Investing Planners & Digital Tools
Downloadable and interactive planners, SWP planning worksheets, retirement corpus calculators, goal-based investment trackers, and more.
NRI Investing in India
A dedicated course for Non-Resident Indians, how to invest in Indian mutual funds, tax implications, repatriation rules, and NRE/NRO account setup.
Common Questions
Everything you need to know before you enroll.
Is the monthly income guaranteed?
No. SWP depends on how the market performs, so the amount is not guaranteed like an FD. This course teaches you how to plan for that and choose funds that aim for consistency.
What if the market falls? Will I stop getting paid?
The course teaches you how to pick funds and set a withdrawal amount that can handle market ups and downs, so your income stays as steady as possible.
I do SIPs. Is this course for me?
Not really. This course is built for people with a lump sum who want monthly income. It is not designed for people still building wealth through SIPs.
How much money do I need to start an SWP?
There is no fixed number. It depends on how much monthly income you need. The course shows you how to work this out for your own situation.
Is SWP better than an FD or an annuity?
The course walks you through a clear side-by-side comparison so you can decide what is right for your situation.
How long do I have access to the course?
You get 365 days of full access from the date of purchase.
Ready to Turn Your Savings Into a Monthly Income?
Learn how to make your money work for you. Set up your own SWP and start getting paid every month.
Master SWP and Enroll Now