Retirement planning is a crucial aspect of one’s financial goals that an individual needs to plan early in his life. Retirement planning is very vital as it helps an individual to reitre without any fiancial stress. However, retirement planning doesn’t only mean creating a corpus by investing but also how you can withdraw from it for the expenses to be incurred in retirement years which can be taken care with the help of SWP (Systematic Withdrawal Option). Hence both SIP & SWP are important features of investments to achieve financial freedom during retirement.