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Can I earn Rs 30,000 monthly returns on Rs 50 lakhs?

Janak

Janak Patel  |62 Answers  |Ask -

MF, PF Expert - Answered on Mar 26, 2025

Janak Patel is a certified financial planner accredited by the Financial Planning Standards Board, India.
He is the CEO and founder of InfiniumWealth, a firm that specialises in designing goal-specific financial plans tailored to help clients achieve their life goals.
Janak holds an MBA degree in finance from the Welingkar Institute of Management Development and Research, Mumbai, and has over 15 years of experience in the field of personal finance. ... more
Asked by Anonymous - Mar 14, 2025Hindi
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Hello Sir, I have saving 50 lakhs, i am looking for monthly return of 30 k What the best to possible way to invest this amount. Is it good option to invest in index fund . Please advice

Ans: Hi,

You have not clarified the duration of your requirement, how long do you need monthly return?
But lets assume this is as long as possible.
There are many solutions to this and that involves knowing a lot more about you and your life state but will anyways will provide you a couple of options.
1. Fixed income investment - Invest in FD's at 7%, this will earn you 3.5 lakhs a year and should be covering your requirement. But the savings will remain at 50 lakhs. If the rate on FD falls down, then you will end up using your savings to cover your requirements. So this option may not be feasible for a long period. The risk being low, it may not grow your saving and it can erode your saving too.
2. Invest in Equity (mutual funds) - You mentioned Index funds, they can be considered along with other equity mutual funds too. But understand, there is a higher level of risk involved. Markets are and will be volatile and the returns will not be the same each year. If you have the temperament/patience to stay invested in market fluctuations then venture in this direction. When you are looking to fulfill your requirement each month, your investment will always stay on your mind and this will trigger behavioral traits and hence I mention temperament. Many people get unsettled seeing their investments erode in a short period of time and take decisions which are not rationale. Hence enter knowing the risk and yourself.
3. Middle ground - Invest in balanced option - something like a hybrid fund. If you are conservative (low risk), then go for conservative hybrid mutual fund schemes (more Debt and less equity) and expect returns slightly above your FD in the range of 8-9% which will serve your requirement and can add a bit to your savings. If you are not conservative and understand that market linked investment can provide a little extra boost to your investment then balance your risk with Balanced advantage Mutual Fund schemes (balanced approach to equity and debt). These schemes can provide you better returns up to double digits 10-12% and hence after meeting your requirements, your investment can grow too.

Please understand, Equity brings in market risks and hence have expectations but also understand the risks involved. Make your decision based on the appetite you have for loss bearing and safety and accordingly go ahead. Consult a good advisor or a financial planner who can guide you after knowing more about you and your requirement and also help understand tax implications.

Thanks and Regards
Janak Patel
Certified Financial Planner.
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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Ramalingam Kalirajan  |9854 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Apr 23, 2024

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Sir . I m Retired person ,I wanted to Invest 60 L in monthly income plan Rs 70000/ Apporx Pl suggest for Returns
Ans: Investing for monthly income post-retirement is akin to setting up a steady stream from a river that continues to flow without depletion. With your corpus of 60 lakhs and the goal of receiving approximately 70,000 per month, the challenge is to strike a balance between generating sufficient income and preserving the principal amount.

Considering today's interest rate environment, traditional fixed-income instruments like bank FDs or post office schemes might not offer the desired returns after adjusting for inflation.

A Monthly Income Plan (MIP) from mutual funds could be a viable option. These funds typically invest in a mix of debt and equity, aiming to generate regular income while also offering potential capital appreciation. It's like a well-mixed cocktail where the ingredients (assets) complement each other to provide both flavor (income) and strength (growth potential).

While MIPs can provide regular dividends or systematic withdrawal plans (SWPs), it's crucial to be aware of the associated risks, especially with the equity component. Periodic reviews and adjustments may be needed to ensure the income stream remains consistent.

In summary, an MIP could be a suitable choice to meet your income needs while aiming for growth. However, it's advisable to consult with a financial advisor to tailor a strategy that aligns with your risk tolerance and financial goals.

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Ramalingam Kalirajan  |9854 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 23, 2024

Asked by Anonymous - Mar 03, 2024Hindi
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I am 53 year. I want to invest Rs 10,000 every month. What is the best option to invest so that after 4/5 years I get good return
Ans: Maximizing Returns with Monthly Investments
Investing regularly is a prudent financial decision, and I commend your commitment to building wealth even at 53. Let's explore the best options for investing ?10,000 every month to achieve good returns within a 4-5 year timeframe.

Understanding Investment Objectives
Short-Term Horizon: With a 4-5 year investment horizon, it's essential to prioritize investments with moderate risk and potential for decent returns.

Goal Clarity: Define your specific financial goals and the purpose of the invested funds to align investment strategies accordingly.

Risk Appetite: Assess your risk tolerance to determine the appropriate mix of investment options for your portfolio.

Evaluating Investment Options
Considering your investment horizon and return expectations, explore the following options:

Equity Mutual Funds: Offer the potential for higher returns but come with higher volatility. Suitable for investors with a longer investment horizon and higher risk tolerance.

Debt Mutual Funds: Provide stability and steady returns with lower risk compared to equity funds. Ideal for investors seeking capital preservation and income generation.

Balanced Funds: Combine equity and debt components to provide a balanced approach to risk and return. Suitable for investors seeking moderate growth with reduced volatility.

Benefits of Actively Managed Funds
Active management offers several advantages for investors with a short-to-medium-term investment horizon:

Potential for Outperformance: Skilled fund managers actively manage the portfolio, aiming to generate alpha and outperform the market.

Risk Management: Experienced fund managers employ risk management techniques to mitigate downside risk and preserve capital, crucial for investors with a shorter investment horizon.

Flexibility: Active management allows for tactical allocation adjustments based on market conditions and economic outlook, optimizing returns.

Disadvantages of Index Funds
Index funds may not be suitable for investors seeking good returns within a 4-5 year timeframe due to the following reasons:

Market Tracking: Index funds passively track a specific index, limiting the potential for alpha generation and outperformance compared to actively managed funds.

Lack of Flexibility: Investors in index funds cannot benefit from active management strategies such as sector rotation or stock selection, which are crucial for optimizing returns in volatile markets.

Market Volatility: During periods of market volatility, index funds may experience higher drawdowns compared to actively managed funds, posing a risk to capital preservation.

Conclusion
Considering your investment horizon of 4-5 years, a balanced approach with a mix of equity and debt mutual funds may be suitable to achieve good returns while managing risk. By investing systematically and regularly reviewing your portfolio, you can work towards achieving your financial goals effectively.

Remember to consult with a Certified Financial Planner to tailor an investment strategy that aligns with your specific needs and objectives.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9854 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jan 20, 2025

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Hello I am saving 2 lakh per month monthly I want to invest 1 lakh per month in mutual fund can you please advise what is the best approach to achieve 50 lakhs in short term year
Ans: You aim to accumulate Rs 50 lakh in one year by investing Rs 1 lakh per month. Achieving this goal requires careful planning and investment selection. Let's explore the right approach and strategies for your situation.

Target Assessment and Strategy
Rs 50 lakh in one year is an aggressive target.
To reach Rs 50 lakh, you need to generate high returns.
This will require careful consideration of investment options.
Investment Approach for Short-Term Goals
1. Focus on Equity Mutual Funds

For short-term goals like this, equity mutual funds provide the best potential for growth.
Opt for large-cap funds for stability with moderate growth.
Include mid-cap funds for higher growth opportunities with manageable risk.
A small allocation to small-cap funds can further boost returns. However, small-cap funds are more volatile and should be approached cautiously.
2. Hybrid Funds for Risk Balance

Consider adding balanced or hybrid funds to reduce overall risk.
These funds invest in both equity and debt, providing stability.
Suitable for short-term goals with a balanced risk appetite.
Regular SIP Strategy for Better Returns
SIPs will help you invest systematically and manage market volatility.
By investing Rs 1 lakh monthly, you average the cost of your investment over time.
In a short-term goal like this, SIP in equity funds can work well, but the market's timing and volatility matter.
Active vs. Passive Funds
Active Funds

Actively managed funds offer higher return potential in volatile markets.
They provide flexibility to fund managers to adapt to changing market conditions.
Suitable for achieving high returns in the short term.
Passive Funds (Index Funds)

Index funds track market indices and are generally not the best for short-term high growth.
They are a safer investment but may not yield the high returns needed to reach Rs 50 lakh quickly.
Active funds, in comparison, offer more tailored strategies and can outperform in certain market conditions.
Risk Management and Allocation
Given the short-term nature of your goal, be prepared for market fluctuations.
Balance your portfolio by allocating across large, mid, and small-cap funds.
Monitor your investments frequently and adjust if needed.
Diversifying will help protect your investment from large losses.
Importance of Monitoring and Rebalancing
Rebalancing your portfolio regularly is crucial, especially in the short term.
Stay updated on market trends and adjust your investments as necessary.
Consult a Certified Financial Planner to review and optimize your strategy.
Tax Efficiency Considerations
Long-term capital gains (LTCG) from equity funds are taxed at 12.5% above Rs 1.25 lakh.
Short-term capital gains (STCG) are taxed at 20%.
Since this is a short-term goal, STCG taxes will likely apply, reducing your returns slightly.
Avoid Direct Investment Plans
Direct mutual fund investments bypass advisors but may lack personalized strategy.
Without expert guidance, you may face higher risk and poor fund selection.
Regular funds, through an experienced advisor or a Certified Financial Planner, offer tailored strategies.
Final Insights
To achieve Rs 50 lakh in one year with Rs 1 lakh monthly investments, equity mutual funds are the most suitable option. Focus on large-cap, mid-cap, and hybrid funds. Be mindful of risks and monitor your portfolio regularly. Given the short-term nature of your goal, active management will give you the best chance to reach your target.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

..Read more

Ramalingam

Ramalingam Kalirajan  |9854 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 21, 2025

Money
Hello Dear Gurus I am getting a salary of 60k/m, I want invest 10k Every month so I can get good return, but I don't know where to invest , please advise me. Another thik is I am thinking of Doing SIP every month, i don't know which one is good So kindly advise me
Ans: You have made a smart move by deciding to invest Rs 10,000 monthly. Starting early, even with a small amount, creates big results later. Many people delay. You are already ahead by taking this first step.

Let’s now build a 360-degree plan to help you invest wisely.

Understanding Your Financial Situation

Your salary is Rs 60,000 monthly.

You want to invest Rs 10,000 every month.

That is 16% of your income. Very good ratio.

Most people only save 10%. You are doing more.

Before investing, we must check three things first:

Do you have an emergency fund?

Are you protected by health and term insurance?

Do you have any loans or dues?

We will now address each one.

Build an Emergency Fund First

Emergency fund means money kept aside for surprise expenses.

Like job loss, accident, or family emergency.

You must keep 4 to 6 months of monthly expenses ready.

If your monthly expenses are Rs 40,000, keep Rs 2.5 lakhs ready.

You don’t need to save this all at once.

Build slowly. Start by saving Rs 2,000 monthly from your Rs 10,000.

Park this in liquid mutual funds or ultra-short duration debt funds.

These are safe, give better returns than savings accounts, and are easy to withdraw.

Do not keep emergency money in a regular savings account.

That gives poor returns and weak liquidity.

Health and Term Insurance is a Must

If your company gives health cover, that’s good.

But you must also buy personal health insurance.

Take a Rs 5 lakh individual cover now.

Also take a Rs 50 lakh term life insurance.

This is pure life cover. It protects your family if something happens to you.

Avoid LIC or endowment plans.

They mix insurance and savings. Return is very low.

If you already have LIC, ULIP, or any insurance-cum-investment policy, surrender it and invest the value into mutual funds.

Buy simple term insurance. It is cheap and effective.

Keep insurance and investment separate always.

Start SIP in Mutual Funds (Regular Plans Only)

Now we can invest your money.

You mentioned SIP. That’s a good choice.

SIP means investing monthly in mutual funds.

It creates discipline and works well over time.

But don’t go for direct mutual funds.

Direct funds may look low-cost, but they give no guidance.

They won’t help you during market drops or rebalancing.

You won’t get tax help, review calls, or goal planning.

You are on your own.

That can lead to mistakes and panic selling.

Instead, choose regular plans through an MFD with a Certified Financial Planner.

With regular plans:

You get support in fund selection

You get help during market ups and downs

You get yearly review and tracking

You stay invested for long-term

That peace of mind is worth more than low cost.

Avoid Index Funds and Choose Active Funds

Some people may suggest index funds.

Please avoid them.

Index funds blindly copy the market.

They cannot protect your money when the market falls.

They cannot avoid bad stocks or sectors.

Also, most index funds are concentrated in 10 big companies.

This increases risk.

Actively managed funds are better.

Fund managers pick strong stocks and exit weak ones.

They aim for better returns with lesser risk.

Over time, well-managed active funds outperform index funds.

So, choose actively managed mutual funds through regular plans.

How to Invest Your Rs 10,000 Monthly

Let us now divide your SIP of Rs 10,000.

Start with a mix of these types of funds:

Rs 4,000 in large and flexi-cap equity fund

Rs 3,000 in mid-cap or multi-cap fund

Rs 2,000 in balanced advantage fund

Rs 1,000 in debt or short-duration fund

This gives you:

Growth from equity

Stability from balanced fund

Safety from debt fund

Do not invest everything in one fund.

Diversification protects you.

After one year, review the performance.

If needed, shift between categories with your Certified Financial Planner’s help.

Increase SIP Every Year if Income Grows

Your income may rise in future.

If so, increase SIP by 10% to 15% yearly.

This is called step-up SIP.

It increases your future wealth sharply.

If you keep investing Rs 10,000 only, you will limit your wealth.

But if you raise it to Rs 15,000 in 3 years, and Rs 20,000 in 5 years, your future corpus grows big.

Also, reinvest bonuses or gifts into mutual funds as lumpsum.

It helps you reach goals faster.

Be Patient and Stay Invested

Mutual funds grow slowly in beginning.

Don’t panic if returns look small in year 1 or 2.

In long-term, power of compounding works strongly.

Keep SIPs going even during market falls.

In fact, market dips are good for SIPs.

You buy more units at lower price.

That gives better average and higher returns later.

Also, don’t try to time the market.

Just be regular and steady.

That wins in the long run.

Avoid These Common Mistakes

Many beginners make these errors:

Start SIP but stop after 6 months

Switch funds too often

Invest in 8 or 10 mutual funds without reason

Invest in direct funds and then panic

Take advice from friends, not professionals

Avoid these habits.

Stay with few good funds.

Review every 6 months with a Certified Financial Planner.

Stay focused on your goals.

Keep Track of Tax Rules

When you sell mutual funds, be aware of tax:

For equity funds, gains above Rs 1.25 lakh yearly are taxed at 12.5%

Short-term gains taxed at 20%

Debt fund gains taxed as per your income slab

A CFP can help you plan redemptions to reduce tax.

Don’t sell funds without checking tax impact.

Investing is a Journey, Not a Race

Start your journey with a long-term view.

Your Rs 10,000 monthly can become big over time.

You may not see results in 1 or 2 years.

But over 10 to 15 years, this grows into wealth.

The key is discipline, guidance, and staying invested.

No need to rush.

Just do the right things regularly.

Checklist for You

Here is what you must do next:

Build Rs 2.5 lakh emergency fund slowly

Buy Rs 5 lakh health cover

Buy Rs 50 lakh term insurance

Start SIP of Rs 10,000 via regular plans

Avoid index and direct funds

Choose funds through MFD and CFP

Increase SIP by 10% every year

Review progress every 6 months

Never stop SIP during market fall

Avoid too many funds

If you follow these steps, your financial future will be strong.

Finally

You are on the right track.

Starting early and investing monthly is the best habit.

Don’t wait to get rich before investing.

You get rich by investing now.

Stay simple. Stay steady. Stay focused.

And always take help from a Certified Financial Planner.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in
https://www.youtube.com/@HolisticInvestment

..Read more

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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