A Systematic Withdrawal Plan (SWP) is a facility which allows the investors to withdraw a certain amount of money from the mutual fund scheme as per a pre-defined schedule. The amount could be either constant or variable as per the scheme guidelines.

SWP enables the investors to customize the cash inflows as per their needs. It is often considered as an opposite facility to Systematic Investment Plan (SIP).
Total Return

Total return refers to the actual return or earnings that an investor has received from the investment over a period of time.

This term includes interest, dividends, capital gains. In other words, it is the sum of the interest earned and the appreciation (or loss) in the capital value. It is expressed as a percentage and is calculated on the amount invested.