Is SWP through debt funds an optimal option for generating post-retirement income?

I am 59 years and will retire in March 2025. After my retirement, I will have a corpus of about ₹ 1.4 crore, of which 65% will be from SIP investments. From April 2025 onwards I wish to withdraw ₹55,000 per month via SWP and increase it by 6% every year for the next 23 years till I turn 83...

How my retirement plan should look like?

I am 48 years old and plan to retire by 2030. My yearly expenses are around Rs 20 lakh including education of my two kids. Major future expenses will include: Rs 1-crore corpus for higher education and around Rs 30 lakh for the medical needs of my mother. My current investments include MF portfolio of Rs 2.5 crore with 90%...