विशेषज्ञ की सलाह चाहिए?हमारे गुरु मदद कर सकते हैं
Devinder
Reetika Sharma642 Answers |Ask - Follow
Financial Planner, MF and Insurance Expert - Answered on Jul 09, 2026
Asked on - Apr 17, 2026
I am going to retire in few months, with EPFO getting matured, where can i invest to get good returns, and what if i invest in property ? Please guide.
Ans: Hi Devinder,
Congratulations on your upcoming retirement! At current stage, your priority must be capital protection and regular monthly income.
Let me tell you an honest truth about property.
Locking your core retirement money into real estate is highly risky for three reasons:
1. Zero Liquidity: You cannot sell a piece of a flat overnight if a medical emergency hits. Real estate takes months or years to liquidate.
2. Terrible Returns: Rental yield in India is a dismal 2% to 3%. A ?1 Crore property will only give you a tiny ?15,000–?20,000 a month in rent.
3. High Maintenance: Managing tenants, maintenance, and property taxes is a massive headache. Retirement is for peace of mind.
Instead split your EPFO corpus into these three secure buckets:
1. The Guaranteed Income Bucket (55%): Your first priority is a fixed monthly payout to cover bills. Max out the Senior Citizen Savings Scheme (SCSS) (up to ?30 Lakhs) for high, government-backed interest. Use Post Office Monthly Income Schemes (POMIS) or secure banking FDs for the rest.
2. The Inflation Protection Bucket (35%): Fixed deposits lose value against inflation over 15–20 years. Put a portion into Conservative Hybrid Funds or Multi-Asset Allocation Funds. These put 70% in safe bonds and only 30% in equity, giving you growth without high stock market risk.
3. The Emergency Shield (10%): Keep 6 to 12 months of living expenses completely liquid in a Sweep-in FD for instant medical or personal emergency access.
Hence when the EPFO lump sum hits, let it sit in a basic savings account or short-term FD for 2–3 months. Do not rush. Take your time to calculate your exact monthly household expenses first, match your guaranteed income to that number, and ignore relatives or brokers pushing you to buy land!
Or if you want detailed guidance, consider consulting a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/
(more)
Congratulations on your upcoming retirement! At current stage, your priority must be capital protection and regular monthly income.
Let me tell you an honest truth about property.
Locking your core retirement money into real estate is highly risky for three reasons:
1. Zero Liquidity: You cannot sell a piece of a flat overnight if a medical emergency hits. Real estate takes months or years to liquidate.
2. Terrible Returns: Rental yield in India is a dismal 2% to 3%. A ?1 Crore property will only give you a tiny ?15,000–?20,000 a month in rent.
3. High Maintenance: Managing tenants, maintenance, and property taxes is a massive headache. Retirement is for peace of mind.
Instead split your EPFO corpus into these three secure buckets:
1. The Guaranteed Income Bucket (55%): Your first priority is a fixed monthly payout to cover bills. Max out the Senior Citizen Savings Scheme (SCSS) (up to ?30 Lakhs) for high, government-backed interest. Use Post Office Monthly Income Schemes (POMIS) or secure banking FDs for the rest.
2. The Inflation Protection Bucket (35%): Fixed deposits lose value against inflation over 15–20 years. Put a portion into Conservative Hybrid Funds or Multi-Asset Allocation Funds. These put 70% in safe bonds and only 30% in equity, giving you growth without high stock market risk.
3. The Emergency Shield (10%): Keep 6 to 12 months of living expenses completely liquid in a Sweep-in FD for instant medical or personal emergency access.
Hence when the EPFO lump sum hits, let it sit in a basic savings account or short-term FD for 2–3 months. Do not rush. Take your time to calculate your exact monthly household expenses first, match your guaranteed income to that number, and ignore relatives or brokers pushing you to buy land!
Or if you want detailed guidance, consider consulting a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.
Let me know if you need more help.
Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/