For regular income in retirement, you can’t beat debt mutual funds

The article highlights how systematic withdrawals from debt mutual funds offer a highly tax-efficient and flexible option for generating regular income in retirement—outperforming traditional choices like FDs, NCDs, or Post Office schemes. Through a hypothetical example, it explains how capital gains taxation on debt funds can result in significantly higher effective returns compared to the interest income from fixed deposits, which is taxed at higher rates. Financial planner Narasimhan advises using debt funds for withdrawals due to their lower volatility, making them ideal for retirees like Ojas seeking stable income with tax advantages.

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