One concern investors often have is how an SWP behaves during market downturns. Since withdrawals involve redeeming units, taking out more units when markets are low can reduce your corpus faster. This is why many experts suggest combining an SWP with a flexible withdrawal strategy. Instead of sticking to a fixed amount, some investors reduce payouts slightly when markets fall and increase them when conditions stabilise. This approach helps protect the principal and stretches the life of the investment. Understanding how your fund category reacts to volatility is equally important. A well-chosen mutual fund withdrawal plan, backed by occasional adjustments, can remain sustainable even in uncertain markets.