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Ravindra Saini · Follow

CEO at Aria Telecom Solutions Pvt Ltd (2004–
present) · Jan 8

I have 83 lakh of rupees. I will retire next

month. Where should I invest so that I get a
minimum of 3 lakhs as a fixed monthly income?
In 83 lakhs it is not practically possible to earn 36
lakhs annually. As you are going to get retire & this
money is very important for your future life, some
people may offer you so high return but that is not
practically possible rather there are chance to lose
your hard-earned money.

Now let's talk about safe & secure investment.

1- 50% amount you should invest in plot / agriculture

land in developing area like in NCR or outer area of
your city but not in flat - which can be doubled in 4–5
years.

2- 25% you can invest in Post office for as a Sr citizen

scheme where you will get some monthly income

3- 25% you can keep in Bank FD getting monthly

interest credit in your account, FD should be booked
in 5–8 small parts in different times so that you
should get maturity every year.

In this way you can get around 360,000 annual

returns / 30,000 monthly from your 50% investment
from bank & post office. you can also spend more.
30,000–40,000 from your principal amount, so that
you can get 60,000 to 70,000 amount per month to
live your life happily. Still, 20 - 25% amount from your
principal amount will be reduced in 5 years.

Your Land value will be doubled in 5 years & you will

get your portfolio increased by 50% more. you need
to liquidate your land after 5–10 years & repeat the
process again.

Some buffer has been kept in expanse & income so

that some unexpected bedtime can be managed.

Note : This is just a suggestion still you are a

requested to invest your money wisely
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