Investment Advise;?

Question

Lets say I intend to retire in about 12 months from now. I have 50 lakhs in liquid cash. I am in need of an income of about 50,000 per month. I'm a low risk-apetite investor.

What are my investment options?

Answer 1

BUY RELIANCE PETROLEUM
OR INVEST IN FD

Answer 2

economic advisers are sales people who sell their products giving many supplies and upon investment they deduct element of the your deposit as their provider fee and later your + or - would be calculated based on the marketplace situation. In those complicated circumstances, having income a investment that's is obtainable to you genuinely while required is the significant element. if in MF, inventory marketplace, RE, lots perplexing to get entry to money while required as we marketplace remains fluctuating via down-turn. Pl, do your place-artwork thoroughly risk-free look after your funds and investment. in the experience that your requirement of the fund isn't instant and could arise with the money for to look back at your investment after 2 years, that's a very good suggestion to distinctive between MF and FD. Now NAV's of MF is low expenditures yet you're able to do domicile artwork to discover terrific one's and the place the destiny is heading. As you will see it is going sluggish because it governed for about 10 years. next massive element to happen international-huge would be green skill. To advance your fund you have finished domicile artwork like previous, modern-day and destiny and make investments for this reason the two with FA or your guy or woman.

Answer 3

Now this is something I dream of.

You want cash return on your investment, not just appreciation on the paper , therefore you need securities which gives you actual return.

You need 12% return on your investment to get Rs. 50,000-00 each month.

For simplfying the process, I would advise you invest 20% in Nationalised Bank FDR , where about 8-9% return is secured.

Second 20% would be advised to be invested in few Mutual Fund (Balannced Funds) , which has given absoulute return of 107 % in last 3 years.

Next 20% should be invested some Equity Divesfied or Index Mutual Funds, which has given respective 181% and 141% absolute return in last 3 years.

Fourth installment of 20% be invested in direct equity shares, selecting some long term scrips like Infosys,TCS etc..

That's account for 80% of your investment, and I would advise to keep last 20% in liquid cash or in bank for emergenices / contiguity. (You can use this cash amount to apply in IPO also)

Interest on FDR should be deposited in account, not accumlated till the maturity date, so you receive interest in bank (TDS will be deducted from the income of interest)

You have to select Dividend Payout option in all mutual funds, so your appreciaiton are returned in cash not to be reinvested in units (Dividend is tax free)

I believe, probably through returns in FDR and MF you will receive enough amount as per your goal and therefore you can keep the equities shares intact without need to sell them for urgent cash as you are having last 20% in hand. However, periodcally profit booking in equites are advisable. Additional amount over your need can be reinvested again.

I have not conisdered gold and real estate for your investment, as they would not give regular return. You may considering some extra amount received above your need to be invested in gold , as it is one of the safest investment.

Happy investing!!

Answer 4

The first thing that you must understand about investing is:low risk=low return, high risk=high return. My advise is think about your risk preferences one more time and further think about high yield bond mutual fund, `cos with such small amount of money impossible to earn $600000 p.a.

Answer 5

Invest in debt oriented mutual funds.
You didn't specify your country..so I can't suggest you specific mutual funds to invest in.

Invest in MFs that have have atleast 80% allocation to debt instruments.

Answer 6

try mix of FD MF stock commodity cash

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Answer 7

With present bank interest rates you can get Rs 35,000 approx per month You can invest in M.I.S, Bank F.D.& R.B.I. bonds etc.

Answer 8

please it is very simple i can get u 75000/- per month as per calculation ( it is secret advice) honestly r u serious, all is white money business right.
everything is investment planning and focussing and great vision to future.


Prince

[e-mail]

Answer 9

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Answer 10

invest your money in L.I.C. it will give u an excellent annuity plan.
if you r interested pl mail me [e-mail],in