How do I make a proper flow for SIP, STP & SWP in mutual funds, so that we can expect returns with our desired intervals?

The proper flow is mapped to your personal situation. Ensure that you map out your financial goals and then have SIPs that map to these goals. STPs should also be used by parking spare cash and diverting it to the funds that are mapped to goals.

You can use SWPs for meeting income needs by either pulling cashflows out of temporary funds, or in the case of post-retirement income, from long term funds.

So the solution depends on your long term goals and short term cash requirements.

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