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Sanjeev

Sanjeev Govila  |192 Answers  |Ask -

Financial Planner - Answered on Jul 23, 2023

Asked by Anonymous - Jul 15, 2023
Money

Hi Kirtan. How much amount one needs to have invested and what investments he should choose by 2026 to earn inflation adjusted income of Rs. 70000 every month after 2026 till 2050. Pl respond on the basis of info already provided.

Ans: The amount required in 2026 is Rs. 1.37 cr for which you need to invest Rs 1.3 cr as of today. We have assumed a ROI of 10% and inflation of 6%.

Talking about the investment avenues, always consider a well-diversified investment portfolio that includes a mix of asset classes such as stocks, bonds, commodities etc.

Coming to your query, you need to invest the money in short-term fixed instruments like government, corporate bonds and corporate FD’s with relatively low risk and moderate returns.
You can also consider investing a part in conservative or equity savings funds where you get the exposure of equity markets along with safety of debt.

Please consult with a financial advisor to get personalized advice based on your specific financial situation.
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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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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