Business Here's how SWP is different from SIP Updated : November 27, 2018 06:13 AM IST In case of a fixed withdrawal scheme, a fixed amount is sold every month by the AMC and the amount is credited to the investor’s bank account. SWP can be helpful during retirement when an individual does not have a regular income and are reliant on investments. Subscribe to Moneycontrol PRO at just Rs.33/- per month for the first year. Use code SUPERPRO. Limited period offer. Available on Web and Android.