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Ulhas

Ulhas Joshi  | Answer  |Ask -

Mutual Fund Expert - Answered on Aug 28, 2023

With over 16 years of experience in the mutual fund industry, Ulhas Joshi has helped numerous clients choose the right funds and create wealth.
Prior to joining RankMF as CEO, he was vice president (sales) at IDBI Asset Management Ltd.
Joshi holds an MBA in marketing from Barkatullah University, Bhopal.... more
Asked by Anonymous - Aug 20, 2023Hindi
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Money

Hello! Ulhas, I would like to invest 60,00000 lakhs to generate a monthly income of 1,00000. Kindly help with a income generation portfolio. I am 51 and retired, with no liabilities. Regards, NJ

Ans: Hello and thanks for writing to me. Please share for how long you wish to draw Rs.1 Lakh every month and other details like your risk appetite and other details for me to recommend you schemes.
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

Ramalingam Kalirajan  |9777 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on May 24, 2024

Asked by Anonymous - May 23, 2024Hindi
Money
I am looking to see your recommendations. I am 50-year-old. I have a house(where we live here) that has the value of 11 Crores. I have real estate assets that are worth of 20 Crores and I have stock investments 3.5 Cr and retirement funds of 2 Crores. I would like your recommendations to generate 10 lakhs per month and diversify the real estate investments into Mutul funds that can help to generate monthly income from 55 years. My income is around 2.5 Cr per year and would like to retire by 55. Also, i need to take care of my kids education and it would cost around 3 Cr
Ans: Understanding Your Financial Landscape
Your current financial situation is robust, with substantial assets across various classes. You have a significant real estate portfolio worth ?20 crores, a house valued at ?11 crores, stock investments of ?3.5 crores, and retirement funds totaling ?2 crores. Your income is ?2.5 crores per year, and you plan to retire by 55. Additionally, you need to ensure ?3 crores for your children's education.

Goals and Objectives
Generate ?10 Lakhs Per Month Post-Retirement
Diversify Real Estate Assets into Mutual Funds
Ensure ?3 Crores for Children’s Education
Retire Comfortably by Age 55
Diversifying Real Estate Assets
Real estate can provide substantial value appreciation, but it’s illiquid and can be cyclical. Diversifying into mutual funds can offer liquidity, diversification, and potentially higher returns. Here’s a strategic approach:

Evaluate and Liquidate Real Estate Holdings: Identify which real estate assets can be sold without impacting your lifestyle. Aim to liquidate assets worth ?20 crores over the next five years.

Reinvest Proceeds in Mutual Funds: Diversify the proceeds from real estate into a balanced mix of mutual funds. Given your retirement horizon, focus on a combination of equity, hybrid, and debt funds. This mix provides growth, stability, and income potential.

Strategic Investment in Mutual Funds
Equity Mutual Funds
Equity mutual funds offer higher growth potential, which is crucial for long-term wealth accumulation. Consider the following categories:

Large-Cap Funds: Invest in well-established companies with stable returns.
Multi-Cap Funds: Provide a mix of large, mid, and small-cap stocks for balanced growth.
Sectoral/Thematic Funds: Allocate a small portion to sectors with high growth potential.
Hybrid Mutual Funds
Hybrid funds provide a mix of equity and debt, offering growth with reduced volatility. They are suitable for wealth preservation and income generation:

Aggressive Hybrid Funds: Higher equity exposure for growth.
Balanced Advantage Funds: Dynamic asset allocation based on market conditions.
Debt Mutual Funds
Debt funds offer stability and regular income, ideal for generating monthly cash flow:

Short-Term Debt Funds: Provide liquidity and relatively higher returns compared to savings accounts.
Dynamic Bond Funds: Adjust based on interest rate scenarios to maximise returns.
Systematic Withdrawal Plan (SWP)
To generate ?10 lakhs per month post-retirement, consider a Systematic Withdrawal Plan (SWP). SWP allows you to withdraw a fixed amount regularly from your mutual fund investments, providing a steady income stream while keeping the corpus invested and growing.

Funding Children’s Education
Allocate ?3 crores from your current investments or the proceeds from liquidated real estate to a dedicated education fund. This fund should be a mix of:

Debt Mutual Funds: For stability and capital preservation.
Equity Mutual Funds: For growth over the investment horizon.
Optimising Retirement Funds
Your current retirement fund of ?2 crores should be optimally invested to ensure growth and income generation:

Review Existing Investments: Ensure they align with your risk tolerance and retirement goals.
Diversify Across Asset Classes: Balance between equity and debt to optimise returns and manage risks.
Generating ?10 Lakhs Per Month
Calculate Required Corpus: To generate ?10 lakhs per month (?1.2 crores per year), you need a well-diversified investment portfolio. Assuming a conservative withdrawal rate of 6%, you will need a corpus of approximately ?20 crores.

Investment Strategy: With ?20 crores invested in a mix of equity, hybrid, and debt funds, you can achieve this income target. The equity portion ensures growth, while the debt portion provides stability and income.

Implementation Plan
Yearly Investment Targets: Gradually liquidate real estate assets worth ?20 crores over the next five years. Invest the proceeds in mutual funds according to the above strategy.

Regular Monitoring: Work with a Certified Financial Planner to regularly review and adjust your portfolio based on market conditions and your financial goals.

Maintain an Emergency Fund: Keep an emergency fund equivalent to 12 months of expenses to cover any unexpected financial needs.

Insurance Coverage: Ensure adequate life and health insurance to protect your family and financial plan from unforeseen events.

Conclusion
By strategically liquidating your real estate assets and reinvesting in mutual funds, you can achieve your goal of generating ?10 lakhs per month post-retirement. A well-diversified portfolio with a mix of equity, hybrid, and debt funds, along with a systematic withdrawal plan, will ensure a steady income and financial security.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9777 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Jun 06, 2024

Money
Sir I am 56 years old,having agricultural land 80 L, 2BhkFlat 40L with 10 L loan amount left,other open flats worth 1.2 Cr,Small shops with monthly rental income of 15K. PF 10 L & FD of 20 L. I am still in service with 16 Lpa salary income. Eish to start investments to get 1.5 L per month regular income Post retirement after age of 60. Pl suggest for regular income options by investing suitably in MF,EQUITIES FD's etc as my i am having more fixed assets rather than liquid funds . Pl suggedt for good investments for reqular monthly income post retirement.
Ans: Assessing Your Financial Situation
At 56 years old, planning for a regular post-retirement income is wise. Your current financial assets include agricultural land, real estate, provident fund (PF), fixed deposits (FDs), and a rental income from small shops. Let's delve into your assets and how you can strategically invest to achieve a regular income of Rs 1.5 lakhs per month post-retirement.

Current Assets Overview
Agricultural Land: Rs 80 lakhs
2BHK Flat: Rs 40 lakhs (with Rs 10 lakh loan remaining)
Other Flats: Rs 1.2 crore
Rental Income from Shops: Rs 15,000 per month
Provident Fund (PF): Rs 10 lakhs
Fixed Deposits (FDs): Rs 20 lakhs
Salary Income: Rs 16 lakhs per annum
Goal Setting and Financial Planning
Retirement Income Goal
Your goal is to generate Rs 1.5 lakhs per month post-retirement. This translates to Rs 18 lakhs per year. Considering inflation and other factors, you need a well-structured plan.

Liquidating Non-Performing Assets
Your current portfolio is more focused on fixed assets. Liquidating some of these assets can help create a diversified investment portfolio. Consider selling one of your open flats to increase your liquid funds.

Investment Strategy for Regular Income
Systematic Investment Plan (SIP)
Investing in mutual funds through SIPs can provide regular income and potential capital appreciation. You can start investing now to build a substantial corpus by the time you retire.

Balanced Mutual Funds
Balanced mutual funds invest in a mix of equity and debt. They provide a balanced approach to growth and income. These funds can generate regular dividends, adding to your monthly income post-retirement.

Debt Mutual Funds
Debt funds are less volatile and provide steady returns. They are ideal for generating regular income. You can allocate a portion of your investments to debt funds for stability.

Detailed Investment Plan
Step 1: Liquidating Assets
Sell One Flat: Consider selling one of your flats worth Rs 1.2 crore. This will give you substantial liquid funds to invest.
Repay the Loan: Use Rs 10 lakhs from the sale proceeds to repay the outstanding loan on your 2BHK flat.
Step 2: Creating an Investment Portfolio
Emergency Fund: Set aside Rs 10 lakhs in a high-interest savings account or liquid fund. This will cover unforeseen expenses and emergencies.

Equity Mutual Funds: Allocate Rs 50 lakhs to equity mutual funds. These funds can provide high returns over the long term. Choose diversified equity funds for better risk management.

Debt Mutual Funds: Invest Rs 30 lakhs in debt mutual funds. These funds will offer stability and regular income through interest payments.

Balanced Funds: Allocate Rs 20 lakhs to balanced mutual funds. These funds offer a mix of equity and debt, providing growth potential and income.

Fixed Deposits (FDs): Keep your existing Rs 20 lakhs in FDs. These will provide guaranteed returns and add to your regular income.

Calculating Expected Returns
Equity Mutual Funds
Assuming an average annual return of 12%, the Rs 50 lakhs invested in equity mutual funds can grow significantly over time. Using the compound interest formula, you can estimate the corpus at retirement.

Debt Mutual Funds
Debt funds typically offer returns between 6-8%. Investing Rs 30 lakhs in debt funds will provide regular interest income. This can be reinvested or used for monthly expenses.

Balanced Funds
Balanced funds can offer returns between 8-10%. The Rs 20 lakhs invested here will provide a blend of growth and income.

Generating Monthly Income Post-Retirement
Systematic Withdrawal Plan (SWP)
An SWP allows you to withdraw a fixed amount from your mutual fund investments regularly. This can be set up to provide monthly income post-retirement.

Dividend Income
Mutual funds and stocks can provide regular dividend income. Investing in funds that pay regular dividends can add to your monthly income.

Importance of Regular Monitoring and Rebalancing
Annual Portfolio Review
Review your portfolio at least once a year. This ensures your investments are performing as expected and are aligned with your goals.

Rebalancing
Market conditions can affect your portfolio allocation. Rebalancing helps maintain the desired mix of equity and debt, ensuring optimal returns and risk management.

Tax Implications
Capital Gains Tax
Long-term capital gains (LTCG) from equity funds (held for over a year) are taxed at 10% if they exceed Rs 1 lakh in a financial year. Short-term capital gains (STCG) are taxed at 15%.

Dividend Distribution Tax (DDT)
Dividends from mutual funds are subject to DDT. Understanding tax implications helps in planning withdrawals and investments efficiently.

Building a Robust Financial Plan
Insurance
Ensure you have adequate health and life insurance coverage. This protects you and your family from financial burdens due to unforeseen events.

Retirement Planning Beyond Investments
Consider other aspects like hobbies, travel, and healthcare needs in your retirement plan. A holistic approach ensures a comfortable and fulfilling retirement.

Consulting with a Certified Financial Planner (CFP)
Professional Guidance
Consulting a Certified Financial Planner provides personalized guidance. A CFP can help tailor your investment strategy to your specific needs and goals.

Benefits of Professional Advice
Professional advice ensures informed decisions, optimal asset allocation, and effective risk management. A CFP helps navigate the complexities of retirement planning.

Conclusion
Planning for a regular income post-retirement involves strategic investment choices. Liquidating some fixed assets to invest in mutual funds, debt funds, and fixed deposits can help achieve your goal of Rs 1.5 lakhs per month. Regular monitoring, rebalancing, and consulting with a Certified Financial Planner will ensure you stay on track. With disciplined investing and a well-structured plan, you can enjoy a financially secure and comfortable retirement.

Best Regards,

K. Ramalingam, MBA, CFP,

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Latest Questions
Sunil

Sunil Lala  |218 Answers  |Ask -

Financial Planner - Answered on Jul 18, 2025

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Dear Sir, I am 40 year old, my take home is 1.41 lacs per month. I have 11 year old daughter and 3.5 year old son. I am investing 12.5k per month in SSY (27 lacs in total) and 12.5k per month in PPF (6 lacs in total). Investing around 4k in SIP in index fund (1.2 lacs) and I have around 30 lacs in FD. I have taken 1cr term insurance and have 10lakhs health insurance for family. FD is not giving me satisfactory returns and not beating the inflation. I am planning to invest 25 lacs in buying a site. I don't have any loans and don't have major commitment other than children education. I request you to guide me on future investments, I would like to get a constant income of 1-1.5 lacs PM after 5-6 years.
Ans: Hi Ajay, understand the SSY and PPF are also not givin you enough returns, your SIP in index funds and FD all are ineffecient return making assets. Buying a site will not ensure liquidity when you will need it the most, and 10L health insurance for a family of 4 is low as well.
Having a constant income of 1-1.5L p.m. means annually 12-18L of income, and to have a passive income like that, your corpus should be 15-16x of the annual income --> which means we are looking at 1.8Cr to 2.7Cr of corpus in the next 5-6 years.
There are a lot of flaws in your investment strategies because at one place you are wanting to lock in money at a site, in SSY and PPF and on the other you are looking to earn 1-1.5L p.m. which is possible through liquid investments.
I would love to help you out, but to me it feels like there is a gap in the knowledge about investments and personal finance. If you are wanting to have a detailed conversation about your investments and where you can park your money to grow it to have the monthly income you want after a certain number of years, visit my website www.slwealthsolutions.com

...Read more

Sunil

Sunil Lala  |218 Answers  |Ask -

Financial Planner - Answered on Jul 18, 2025

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I m a 44 yrs old . My salary 85k net per month. Rent income 1.20 lakh per month. Fixed deposit 46 lakh PPF 21.35 lakh Lap loan 46.50 lakh OD loan 6.50 lakh. Mutual funds 2.75 lakhs Shares 3.25 laks Property in Noida, jewar, dwarka , Rohini and faridbad. My wife is earning 50k per month but not contributing in assests we spend his salary on vacations and foods and cloths as she don't want to save. According to her it is my responsibility to provide foods and investment. At this age I m going to lose my jobs. I can manage all things with rental but how can I build up financial assets from here on and my triple source like salary, rental and interest helps me a lot in past. I m simple man with basic needs no extra expenses on me. But kids are in college in class 9 how can I build assests and ensure their good education
Ans: Hello Sanjiv, you have a lot of money parked in debt instruments like FD, PPF and not-liquid assets like properties as well. I would advise you to calculate your income from each asset on a yearly basis in % terms. I think that will give you a true picture of what you are earning as of now vs what you can earn in equity mutual funds which are managed by professionals.
We can have a detailed conversation around your situation and I can help you understand what re-shuffling can be done in your asset portfolio (with continuing rental+interest income) with greater capital appreciation, visit my website www.slwealthsolutions.com if you are interested

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Anu

Anu Krishna  |1651 Answers  |Ask -

Relationships Expert, Mind Coach - Answered on Jul 18, 2025

Asked by Anonymous - Jul 15, 2025Hindi
Relationship
I'm 34 and have spent the last six years trying to find a genuine partner through every possible route -- dating apps, matrimonial sites recommended by relatives, setups through friends. It's been exhausting and disheartening. The men I match with are either secretly married, emotionally unavailable, or bluntly state that they aren't interested in commitment. On matrimonial sites, I keep coming across entitled MCPs (male chauvinist pigs) who want a docile, obedient wife -- someone to bear their children, manage their homes, and take care of their aging parents like we are living in 1950. The few men I've genuinely connected with emotionally have told me upfront that they don't believe in marriage or aren't looking for anything serious. And here I am, still single. I've been seriously considering signing up for an app purely focused on intimacy. I'm not looking to sleep around without thought. What I crave is connection, touch, and feeling desired, even if it doesn't lead to marriage. I've dated so many men in search of love, and yet, I've ended up alone. Is it wrong to stop chasing 'the one' and instead focus on fulfilling my emotional and physical needs without expecting long-term commitment?
Ans: Dear Anonymous,
It's obvious to me that you haven't yet sat yourself down and asked:
- What do I want in my life partner?
- What do I want from a marriage?

You have shared about what others want from you; what do you want from a potential association?
Being clear will help you stop this chase and anyway, there's no 'The One'...if you find one, do let me know and I will be happy for you...Marriage is not about finding the right person but by knowing what you want from a marriage. This narrows down your choices to someone that close to your thoughts and value systems and then you both have to make the marriage work.

Now, if you are not looking for a committed association or a long-term one, then you will have to keep playing games with people who are half serious or just looking for some fun and hey, the chances of you being emotionally hurt will be greater here...
So, be clear on what you want and then you will know the next step, the next conversation that you wish to have with a person with more certainty that increases your chances at a good sturdy relationship.

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

...Read more

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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