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Sunil

Sunil Lala  |222 Answers  |Ask -

Financial Planner - Answered on Dec 12, 2023

Sunil Lala founded SL Wealth, a company that offers life and non-life insurance, mutual fund and asset allocation advice, in 2005. A certified financial planner, he has three decades of domain experience. His expertise includes designing goal-specific financial plans and creating investment awareness. He has been a registered member of the Financial Planning Standards Board since 2009.... more
Asked by Anonymous - Oct 28, 2023Hindi
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How to invest an amount of Rs 1Crore to generate a regular income of Rs 1 lac per month permanently

Ans: 1 Lac is too much against investment of 1 crore it should be 2 crores which if invested in a balanced mutual fund can give you 2 lakh a month
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  |9863 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Sep 04, 2024

Asked by Anonymous - Sep 04, 2024Hindi
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Hi, Please suggest me best plan to achieve 1cr in next 5 years if I have the potential to invest upto 1lakh a month
Ans: Investing Rs. 1 lakh monthly for 5 years is a substantial commitment. While your goal is to achieve Rs. 1 crore, it's important to set realistic expectations. A well-diversified portfolio in a moderate-risk category might grow to around Rs. 80-85 lakhs over this period. The stock market is unpredictable, and returns depend on market conditions.

Why Rs. 1 Crore May Be Difficult to Achieve
To achieve Rs. 1 crore, your investments would need to grow at a rate that's higher than typical for moderate-risk investments. Aiming for such a high return might push you into higher-risk investments. However, these come with greater volatility and the risk of lower returns. It's essential to balance your risk tolerance with your financial goals.

Recommended Investment Strategy
Diversified Portfolio Approach
Invest in a mix of equity and debt mutual funds. This strategy balances growth potential with stability.

Equity Mutual Funds: Allocate around 60-70% of your investment here. Focus on funds with a strong track record and potential for growth.

Debt Mutual Funds: Allocate the remaining 30-40%. These funds offer stability and protect your portfolio from market volatility.

Avoiding Index Funds
Given your goal, avoid index funds. They typically track the market and may not provide the high returns needed to reach Rs. 1 crore. Actively managed funds, though more expensive, offer the potential for higher returns as they aim to outperform the market.

Direct vs. Regular Funds
If you’re considering direct funds, keep in mind their disadvantages. Direct funds have lower costs, but they require constant monitoring and active management on your part. Regular funds, managed through a Certified Financial Planner, offer the benefit of expert guidance, which is crucial for reaching your goals.

Monthly Monitoring and Adjustments
Review your portfolio regularly, ideally every quarter. Make adjustments based on market conditions and fund performance. This proactive approach ensures your investments are aligned with your goal.

Contingency Plan
Consider keeping some funds liquid for emergencies. A small portion in safer instruments like liquid funds or fixed deposits can act as a cushion in volatile markets.

Tax Efficiency
Invest in tax-efficient instruments to maximize returns. Consider the tax implications of your investments and plan withdrawals in a way that minimizes your tax liability.

Final Insights
Reaching Rs. 1 crore in 5 years with a Rs. 1 lakh monthly investment is challenging. With a well-structured, diversified portfolio and regular monitoring, you can aim to get close to your target. Focus on realistic returns and make informed adjustments along the way.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner,

www.holisticinvestment.in

..Read more

Ramalingam

Ramalingam Kalirajan  |9863 Answers  |Ask -

Mutual Funds, Financial Planning Expert - Answered on Oct 03, 2024

Asked by Anonymous - Oct 01, 2024Hindi
Money
Age 62 Corpus 1.30 Cr Require 1 Lakh per month how to invest
Ans: At the age of 62, you have accumulated a corpus of Rs 1.30 crore, and you require Rs 1 lakh per month to cover your living expenses. This translates to an annual withdrawal requirement of Rs 12 lakhs. Ensuring that your corpus lasts for the rest of your life while meeting your monthly requirements is a delicate balance. Let’s assess the best investment strategy to achieve this goal.

Assessing Withdrawal Needs
Your corpus of Rs 1.30 crore needs to generate a consistent income of Rs 12 lakhs per year. A sustainable withdrawal rate that prevents your corpus from depleting too quickly is around 6-8%. At a withdrawal rate of Rs 12 lakhs per year, you’re targeting roughly a 9-10% return on your investments. This is feasible but requires a careful balance between risk and return.

Investment Strategy for Regular Income
Debt and Fixed Income Investments
A significant portion of your portfolio should be invested in safer, debt-based instruments. These will provide you with stable returns and protect your capital. Consider allocating 60-70% of your portfolio to the following options:

Senior Citizens’ Saving Scheme (SCSS): This is a safe, government-backed scheme that offers decent returns. It also provides regular payouts to meet your monthly needs.

RBI Floating Rate Bonds: These bonds are safe and provide a regular income that can help cover part of your expenses.

Post Office Monthly Income Scheme (POMIS): This scheme provides steady monthly income and is a low-risk investment option.

Corporate Bonds or High-Rated Debt Funds: While slightly riskier than government schemes, corporate bonds or high-rated debt funds offer higher returns and can be considered for a portion of your investment.

Balanced or Hybrid Mutual Funds
Since you need regular income and want to preserve your capital for the long term, hybrid or balanced mutual funds are ideal. These funds invest in both equity and debt, providing moderate returns with lower risk. Consider allocating 20-30% of your portfolio to:

Aggressive Hybrid Funds: These funds invest about 65% in equities and the rest in debt. They offer growth potential while maintaining some level of safety.

Balanced Advantage Funds: These funds dynamically shift between equities and debt based on market conditions, offering a mix of growth and safety.

Systematic Withdrawal Plan (SWP)
To ensure a regular income stream, you can set up a Systematic Withdrawal Plan (SWP) in your mutual fund portfolio. This will allow you to withdraw a fixed amount every month while the remaining corpus continues to grow. SWPs from balanced or hybrid funds can help you generate income and offer some capital appreciation over time.

Inflation and Rising Expenses
One of the key challenges in retirement planning is inflation. While your expenses are Rs 1 lakh per month today, they will likely increase over time. Therefore, it’s important to invest in instruments that can offer growth above inflation. This is where equity investments come in.

Equity Exposure for Long-Term Growth
To counter the effects of inflation, a small portion of your corpus should be invested in equity mutual funds. Consider allocating 10-15% of your portfolio to equity mutual funds. These funds will help grow your corpus and ensure you don’t run out of money in the long term. Focus on:

Large-Cap Equity Funds: These funds are relatively stable and invest in established companies, offering consistent long-term returns.

Dividend Yield Funds: These funds invest in companies that regularly pay dividends, providing you with an additional income stream.

Emergency Fund
Given your need for regular income, it’s important to have an emergency fund. Set aside 6-12 months of expenses in a liquid form, such as a savings account or short-term FD. This will ensure you don’t have to dip into your investments for unforeseen expenses.

Tax Implications
Tax planning is crucial, especially when withdrawing from your corpus. Here’s a brief overview of taxation on mutual funds:

Equity Mutual Funds: Long-term capital gains (LTCG) above Rs 1.25 lakh are taxed at 12.5%. Short-term capital gains (STCG) are taxed at 20%.

Debt Mutual Funds: LTCG and STCG are taxed as per your income tax slab.

By withdrawing strategically using an SWP, you can reduce your tax liability and ensure efficient tax management.

Final Insights
At 62, preserving your capital while generating regular income is essential. A diversified portfolio of debt instruments, balanced mutual funds, and a small exposure to equity can help you achieve your goal of generating Rs 1 lakh per month. Focus on:

Allocating 60-70% to debt instruments for stable, regular income.
Investing 20-30% in hybrid mutual funds for growth and safety.
Allocating 10-15% to equity mutual funds for long-term growth and inflation protection.
Setting up an SWP for monthly withdrawals while allowing your corpus to grow.
Maintaining an emergency fund to cover unforeseen expenses.
By following this balanced approach, you can ensure a steady income throughout retirement and maintain your financial independence.

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

..Read more

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Nayagam P

Nayagam P P  |9540 Answers  |Ask -

Career Counsellor - Answered on Jul 28, 2025

Asked by Anonymous - Jul 27, 2025Hindi
Career
Hi there So i got like 97k in kcet and 73k ranks in comedk i want cse mostly im fine with ece also in the first mock round of comedk i got sahayadri college of engineering is that good And also what colleges i might get in Bangalore with these ranks and want good placements or do you suggest me to go take management quota seat in nhce or jain rather than all this
Ans: With a KCET rank of 97,000 and COMEDK rank of 73,000, Computer Science or ECE seats in Bangalore’s most sought-after colleges (such as RVCE, BMSCE, MSRIT, PESU, and DSCE) are not attainable, as their cutoffs close far earlier. For these ranks, you are eligible for options like R.R. Institute of Technology, S.E.A. College of Engineering, M.S. Engineering College, Dr. H N National College of Engineering, City Engineering College, and East West Institute of Technology in Bangalore through COMEDK, as well as GSS Institute of Technology via KCET; CSE or ECE is typically offered until about 75,000–1,00,000 rank in these institutions. Sahyadri College of Engineering in Mangalore, offered in the first mock allotment, has a consistent placement record with an average package of ?3–4 lakh and top recruiters such as Microsoft and IMV Corporation, and regularly fills over 80% of its eligible CSE/ECE students; the infrastructure is modern and reviews cite good faculty engagement, but it is outside Bangalore. For NHCE and Jain University, you can take CSE/ECE through management quota; both campuses provide contemporary facilities, ABET/NAAC accreditations, and strong placement rates above 80%, but require a significant tuition premium (?10–12 lakh total fee). NHCE’s placement cell is robust, and Jain’s industry ties are well rated. Placement opportunities and exposure are typically stronger at NHCE/Jain due to their branded recruiter base and metropolitan location, provided affordability is not a concern.

Recommendation: If your priority is a Bangalore location, industrial exposure, and better placement prospects, opting for NHCE or Jain University CSE/ECE via management quota is advisable if the higher cost is manageable. Among merit seats, Sahyadri (Mangalore) is a solid backup, but in Bangalore, prefer institutes like NHCE and Jain for stronger campus recruitment, infrastructure, and networking. All the BEST for a Prosperous Future!

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Ravi

Ravi Mittal  |626 Answers  |Ask -

Dating, Relationships Expert - Answered on Jul 28, 2025

Asked by Anonymous - Jul 27, 2025Hindi
Relationship
Hello Sir, I am 26 yrs old and Data Analyst in a good company and everything is going well. But sometimes I feel lonely it feels like nobody is there for me to love me and when i see some people get engaged i feel someone also should be there for me to love me and i have never been in a relationship because of immature proposals. But now i want a good partner to make me feel good. Please help me out. Thank you.
Ans: Dear Anonymous,
I understand your feelings and it’s totally valid. Even with everything going great, life can seem lonely. That is very natural and more common than you think. And seeing others finding their partner can feel like salt in the wound. All your feelings are valid. But what you need to understand is that rushing to get in a relationship can end up in more loneliness; relationships can be lonely too. Take your time. Love doesn’t have a set timeline. Ask your friends to set you up with someone who seems compatible, or try dating apps; it will give you more control on whom you are letting into your life. You will find someone soon; you are too young to rush into anything. If you are trying an app, make sure to mention what kind of a partner and what kind of relationship you are looking for to attract the right people and not waste time and energy on ones that are too different from who you are or what you are seeking. It will be a bit of trial and error, and honestly, there’s a certain fun in figuring out what you want, too. I’m sure your love story is going to start soon!

Best Wishes.

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Nayagam P

Nayagam P P  |9540 Answers  |Ask -

Career Counsellor - Answered on Jul 28, 2025

Asked by Anonymous - Jul 27, 2025Hindi
Career
Respected sir,I am a average student of class 12 I just wanted 1lakh jee mains so that I could get ece or something in bit sindri please suggest strategies as there is very little time available in jee mains
Ans: An analysis of BIT Sindri’s JEE-Main cutoffs shows for Electronics & Communication Engineering, the All-India closing rank extended up to 123,269 in 2025, indicating that an approximate rank near 100,000 would secure admission into this branch. Historical data correlating JEE Main marks and ranks reveals that scoring around 70 marks out of 300 typically yields an 87.7–90.7 percentile, translating to a rank range of approximately 92,300–109,300. With little time remaining before the exam, average students should prioritize a targeted, high-yield preparation plan: first, consolidate core concepts from NCERT to reinforce fundamentals in Physics, Chemistry, and Mathematics and avoid starting new topics at this stage. Next, employ a one-month week-by-week timetable focused on essential chapters—allocating time each day to problem practice and mock tests under exam conditions to hone speed and accuracy. Utilize concise revision notes and formula sheets for rapid recall, and solve previous years’ JEE Main papers to familiarize yourself with question patterns and to identify weak areas for intensive review. Incorporate daily full-length mocks followed by detailed error analysis, dedicating specific slots to clear lingering doubts through peer discussion or online resources. Manage time effectively by adhering strictly to a realistic study schedule that balances all three subjects, with short breaks to maintain mental freshness and stress-management techniques such as deep breathing to sustain focus on exam day. Finally, maintain a positive mindset and steady pace—confidence and consistency in revision will maximize scoring potential in limited time.

Recommendation: recommendation Concentrate on mastering high-weightage NCERT topics and simulate exam conditions with regular mock tests to target 70+ marks. Prioritize solving previous year papers and focused revision of weak areas, ensuring a disciplined timetable and stress-management to achieve a rank near 100,000 for BIT Sindri ECE admission. All the BEST for a Prosperous Future!

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Nayagam P

Nayagam P P  |9540 Answers  |Ask -

Career Counsellor - Answered on Jul 28, 2025

Career
Gen open category student, With Jee CRL 17420 got nit goa ECE, expect to get MSRIT or PESU CSE via KCET Rank 2860. What better NIT can be expected in CSAB for ECE or CSE. And is it preferred over MSRIT/ PESU. Any other guidance, open for options
Ans: With a JEE Main CRL of 17,420, securing CSE in any core NIT through CSAB is highly unlikely, as recent closing ranks for CSE at most NITs fall well below 11,000, even in the final rounds, and only remote NITs or peripheral campuses occasionally extend to 15,000–18,000 but rarely for CSE. For ECE, however, your chances are notably better. NIT Goa ECE (already allotted) aligns with your current rank, but a few other mid-tier or remote NITs, such as NIT Uttarakhand, NIT Meghalaya, NIT Agartala, and possibly NIT Sikkim or NIT Manipur, occasionally close ECE between 17,000 and 20,000 in CSAB special rounds for open category, though branches like CSE and allied tracks (AI, IT, Data Science) remain out of reach at these ranks. No higher-ranked NITs (Surathkal, Trichy, Warangal, Calicut, Rourkela, Jaipur, Kurukshetra, and similar) offer ECE or CSE to CRL 17,420 via CSAB, as confirmed by leading portals and official PDFs. At IIITs and GFTIs, even new or lesser-known campuses do not admit general category candidates into CSE or ECE above 15,000–16,000. Through KCET, MSRIT CSE and PES University CSE are realistically achievable with a rank of 2,860, as 2025 cutoff trends show closing ranks for MSRIT CSE at 2,300–2,500 and for PESU at 1,200–1,400. Both programs are well-established, report 90–95% or better CSE placements in the last three years, strong industry ties, and advanced infrastructure, with MSRIT edging ahead in placement consistency and affordability, while PESU leads in industry-oriented curriculum and campus resources. Self-financed top private options like these offer outcome parity with most NIT ECE courses below the top ten NITs, especially if you seek a competitive academic peer group, robust CSE exposure, and strong brand value for tech roles. Consider your program preference (ECE vs. CSE), long-term goals, campus fit, and location.

Recommendation: Prioritize MSRIT CSE for the best blend of placement record, peer competitiveness, and proven reputation if you seek top CSE outcomes, followed by PESU CSE for curriculum depth and global industry alignment, then NIT Goa ECE or similar-ranked NITs if you prefer a central government degree and core electronics exposure. For CSE, KCET options at MSRIT or PESU offer stronger immediate prospects than ECE in mid-tier NITs, but a remote NIT ECE may appeal if your focus lies in public-sector opportunities or research. Remain active in CSAB special rounds for all eligible NIT ECEs, but plan for high-quality CSE options in Bangalore for the best return on your effort and rank, and back these with clear decision timelines given rapid seat movement in private college rounds. All the BEST for a Prosperous Future!

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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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