Sir, I am Sanjoy, have received Rs. 10 lacs from a matured policy recently. Please suggest a healthy way of investment by which I can have maximum returns in the next 3 years.

Ans: This is not the right platform to share new stock recommendation, I would suggest you to visit a SEBI Registered Investment Advisor and seek advice from them. The following link will help you to find the neasest Adviser for you.
https://www.sebi.gov.in/sebiweb/other/OtherAction.do?doRecognisedFpi=yes&intmId=13

Ans: Equity mutual funds are a good option as per your risk profile. If you are seeking to invest in gold, then it would be better to invest in SGBs. They will give you little interest annually and gold appreciation as well.

Ans: You want to invest this amount for how many years

Ans: Congratulations on your upcoming retirement! It's an exciting milestone, and careful planning can make it even more fulfilling.

With a retirement fund of 25 lakhs, you have a good starting point for your post-retirement financial journey.

To ensure a steady income stream, consider investing a portion of your retirement corpus in a mix of conservative investment options such as fixed deposits, senior citizen savings scheme, and debt mutual funds.

These options offer relatively stable returns with lower risk, ideal for generating regular income during retirement.

Allocate another portion towards equity mutual funds, which have the potential for higher returns over the long term. While they carry more risk, they can help your retirement corpus grow to combat inflation and sustain your lifestyle.

Consulting with a Certified Financial Planner can help tailor an investment strategy that aligns with your risk tolerance, financial goals, and retirement timeline.

As for calculating your monthly income, it depends on various factors such as the returns generated by your investments, withdrawal strategy, and inflation rate.

A common approach is the systematic withdrawal plan (SWP), where you withdraw a fixed amount regularly from your investments. The SWP amount can be adjusted annually based on your financial needs and investment performance.

Ensure your investment strategy provides enough liquidity to cover your monthly expenses while also preserving your capital for the future.

Retirement is a new chapter in your life, filled with opportunities to pursue your passions and dreams. With careful planning and smart investment decisions, you can enjoy a financially secure and fulfilling retirement journey.

Best Regards,
K. Ramalingam, MBA, CFP,
Chief Financial Planner,
www.holisticinvestment.in

Ans: Congratulations on planning for your daughter's future. Let's craft a strategy to maximize your Rs. 10 Lakh corpus over the next decade.
Firstly, it's commendable that you're thinking long-term. Investing for your daughter's future at such an early stage showcases your foresight and dedication as a parent.
Considering your investment horizon of 10 years, we can explore a diversified portfolio of mutual funds to potentially generate maximum returns while managing risk effectively.
Here's a tailored approach:
1. Risk Assessment: Assess your risk tolerance carefully. Given your investment horizon and financial responsibilities, a balanced approach with a mix of equity and debt instruments would be prudent.
2. Diversified Portfolio: Allocate your corpus across a mix of equity mutual funds, debt funds, and perhaps some exposure to balanced funds. Diversification helps spread risk and optimize returns.
3. Equity Allocation: Equity mutual funds have historically delivered higher returns over the long term. Considering your age and time horizon, a significant portion of your corpus can be allocated to equity funds to harness their growth potential.
4. Debt Allocation: Allocate a portion of your corpus to debt funds for stability and capital preservation. Debt funds provide regular income and act as a cushion during market downturns.
5. Systematic Investment Plan (SIP): Consider investing through SIPs to benefit from rupee-cost averaging and mitigate the impact of market volatility over time.
6. Regular Review: Periodically review your portfolio's performance and make adjustments as needed based on changing market conditions, your financial goals, and risk tolerance.
Remember, investing is a journey, not a race. Stay focused on your long-term goals, and maintain discipline and patience throughout the investment tenure.
By following a well-thought-out investment strategy and staying committed to your financial plan, you can potentially achieve your goal of securing a bright future for your daughter.
Wishing you the best on your investment journey! Feel free to reach out if you need further assistance or guidance along the way.