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Ans: From when do you need 30k. Invest in equity mutual funds

Ans: By investing 65 lakh you can get around 32500/- monthly

Ans: SWP is the perfect choice. At 6% you will get 35,000 a month. Select some good debt funds & do SWP. Avoid investing in Hybrid or Equity funds for SWP

Ans: Hello Rajshekhar,

Thank you for reaching out to me for advice on your investment plan. As a financial advisor, I understand your desire to invest 50 lakhs and generate a monthly income of 35,000 rupees. It's great that you have other sources of income amounting to 20,000 rupees per month.

Firstly, I would like to suggest that you diversify your investment portfolio across different asset classes, such as equity, debt, and gold, to minimize risk and maximize returns. While there are several investment options available in the market, I recommend considering SWPs (Systematic Withdrawal Plans) on mutual funds as an option to generate monthly income.

SWPs provide a steady stream of income while allowing you to keep your invested capital intact. They work by allowing you to withdraw a fixed amount from your mutual fund investment periodically. The withdrawal amount is based on the performance of the mutual fund and can be adjusted based on your income requirements.

It's important to note that while mutual funds can provide good returns over the long-term, they come with a certain level of risk. Therefore, it's crucial to invest in mutual funds that match your risk profile and financial goals.

I hope this advice helps you in planning your investments and achieving your financial goals. Good luck with your investment journey!

Ans: Dear Rajshekhar,

Thank you for reaching out for financial advice. Based on your requirements, I suggest the following investment strategy to achieve a fixed monthly income of Rs. 25,000 and invest the remaining amount for 5 years or more.

Fixed monthly income:
To achieve a fixed monthly income of Rs. 25,000, you can consider investing in a combination of fixed deposits, post office monthly income schemes, or debt mutual funds with a dividend payout option.
For instance, if you invest Rs. 30 lakhs in a fixed deposit or a post office monthly income scheme with an annual interest rate of around 6%, you can generate a monthly income of approximately Rs. 25,000. However, please note that the interest rates might vary depending on the bank, post office, or financial institution you choose. Do consider taxes and inflation while making these investments.

Investment for 5 years+:
For the remaining Rs. 20 lakhs, you can consider a mix of equity and debt mutual funds. A balanced or hybrid mutual fund, which invests in both equity and debt securities, can be a good option for a 5-year investment horizon. This diversified approach can help in achieving moderate returns with lower risk exposure.
You can also explore other investment options such as National Pension System (NPS) or tax-saving fixed deposits if you're looking to save for your retirement or avail tax benefits.

Please note that this is general advice, and I would recommend consulting with a certified financial planner or advisor for a personalized investment plan based on your risk tolerance, financial goals, and specific circumstances.

I hope this helps you in achieving your financial objectives.

Ans: Pls, use a combination of equity funds and debt funds. From debt funds, do SWP for monthly income.

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