Hi, I have a lump sum to invest and I'm looking at SWP as an instrument for tax efficiencies and better returns. I plan to invest majorly in Debt MFs ( ~80%) and the remaining in equity since my risk appetite is low and am a retiree. I don't want to erode my capital, therefore I want schemes which are only Capital Appreciation withdrawal oriented. I would want the redemptions to happen on a monthly basis. Can you please suggest good debt oriented SWP schemes which can provide returns upward of 7% annually(based on previous performance)? Also to say, this is not my primary source of income, I'm flexible with the returns but hoping for good ROI.