Investment Advise;?

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?

BUY RELIANCE PETROLEUM
OR INVEST IN FD

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.

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.

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

Smartsoftprince@yahoo.co.in

try mix of FD MF stock commodity cash

if want to do urself

study ebk & chart with buy sell signal on

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or mail

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.

invest your money in L.I.C. it will give u an excellent annuity plan.
if you r interested pl mail me mad_aher@yahoo.co,in

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!!

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