{"id":643,"date":"2024-04-18T07:37:34","date_gmt":"2024-04-18T07:37:34","guid":{"rendered":"https:\/\/jamawealth.com\/askguru\/?p=643"},"modified":"2026-04-15T19:15:28","modified_gmt":"2026-04-15T19:15:28","slug":"i-have-50-lakhs-in-hand-how-do-i-invest-wisely-so-that-i-get-a-monthly-income-of-around-60000-80000-rs","status":"publish","type":"post","link":"https:\/\/maxiomwealth.com\/askguru\/2024\/04\/18\/i-have-50-lakhs-in-hand-how-do-i-invest-wisely-so-that-i-get-a-monthly-income-of-around-60000-80000-rs\/","title":{"rendered":"I have 50 lakhs in hand. How do I invest wisely so that I get a monthly income of around 60000-80000 RS?"},"content":{"rendered":"

Investing \u20b950 lakhs to generate a monthly income of \u20b960,000 to \u20b980,000 requires a diversified approach that balances risk and returns. Here’s a potential investment blueprint:<\/p>\n

    \n
  1. High-Interest Savings Account or Fixed Deposits (FDs):<\/strong>\n
      \n
    1. Allocation:<\/strong> Low\/Medium<\/li>\n
    2. Returns:<\/strong> 5% to 7% annually;<\/li>\n
    3. Rationale:<\/strong> Ensure liquidity and secure a stable interest income.<\/li>\n<\/ol>\n<\/li>\n
    4. Monthly Income Schemes (MIS) from Post Office:<\/strong>\n
        \n
      1. Allocation:<\/strong> Medium<\/li>\n
      2. Returns:<\/strong> 6% to 7% annually<\/li>\n
      3. Rationale:<\/strong> Stable income, government-backed, and low risk.<\/li>\n<\/ol>\n<\/li>\n
      4. Debt Mutual Funds with Systematic Withdrawal Plan (SWP):<\/strong>\n
          \n
        1. Allocation:<\/strong> Medium<\/li>\n
        2. Returns:<\/strong> 7% to 9% annually<\/li>\n
        3. Rationale:<\/strong> Potentially better post-tax returns than FDs and provides a regular monthly income through SWP.<\/li>\n<\/ol>\n<\/li>\n
        4. Dividend Yielding Stocks or Mutual Funds:<\/strong>\n
            \n
          1. Allocation:<\/strong> Low (assuming a conservative risk profile)<\/li>\n
          2. Returns:<\/strong> Varies, but focusing on consistent dividend-paying stocks can offer 3% to 5% in dividends plus potential capital appreciation.<\/li>\n
          3. Rationale:<\/strong> Dual benefit of dividends and long-term capital growth.<\/li>\n<\/ol>\n<\/li>\n
          4. REITs (Real Estate Investment Trusts):<\/strong>\n
              \n
            1. Allocation:<\/strong> Low<\/li>\n
            2. Returns:<\/strong> 5% to 7% in dividends plus potential capital appreciation.<\/li>\n
            3. Rationale:<\/strong> Exposure to real estate without huge capital. Earn through rentals and price appreciation.<\/li>\n<\/ol>\n<\/li>\n<\/ol>\n

              Important Considerations:<\/strong><\/p>\n