If you’re looking for the best investment opportunity in India to Invest 35 Lakhs For Monthly Income, especially in the realm of fixed income, consider exploring the real estate market. One particularly enticing option within this domain is structured debt investments, with a specific focus on the commercial real estate investment sector.
Invest 35 Lakhs For Monthly Income is a financial milestone that requires thoughtful consideration and a well-structured strategy. Whether you’re planning for retirement, seeking to supplement your regular income, or simply looking for ways to make your money work for you.
By the end of this guide, you’ll be equipped with the knowledge and tools to make informed investment decisions that align with your financial goals and provide the financial security you desire.
Choosing the Best Investment option to Invest 35 lakhs for Monthly Income
Selecting the optimal investment avenue involves careful consideration, especially when dealing with a substantial sum like Rs. 35 lakhs. Your investment goals, anticipated earnings, expenses, and the effect of inflation are among the many variables that are taken into consideration. Your investment goals might encompass financing your child’s education, planning for retirement, or merely augmenting your income.
Furthermore, your risk tolerance plays a pivotal role in your decision-making process. In your twenties or thirties, you may be more willing to take on more risk by investing your savings in equity schemes, which have the potential to provide better long-term returns. On the other hand, you can look into safer options like the National Pension System (NPS), savings plans, fixed deposits (FDs), and more if you’re risk averse.
Another strategic approach involves diversifying the Rs. 35 lakhs earmarked for monthly income into a combination of high and low-risk investments. For those in their fifties, short-term funds offer a more cautious and reliable investment avenue that can help safeguard your financial future.
Where to Invest 35 lakhs for Monthly Income?
Monthly Income Plans:
MIP is a noteworthy option for reliable fixed-income investments and offers yet another valuable opportunity. With a primary focus on debt securities, this hybrid mutual fund pays out regular monthly distributions to its investors.
Real Estate Structured Debt:
Real estate structured debt emerges as a compelling investment choice for those seeking steady monthly income. Structured debt involves lending money to commercial real estate developers or property owners in exchange for regular interest payments. It serves as an excellent option for short term investments and ranks among the top safe high-return investment plans available in India.
It offers the potential for attractive yields, lower volatility compared to equity investments, and the backing of tangible real estate assets, making it a reliable source of monthly income.
Systematic Withdrawal Plans:
One appealing option for consistently earning a monthly income from your investments is to consider Systematic Withdrawal Plans (SWPs). You can guarantee a consistent income stream by using SWPs to schedule regular withdrawals from your mutual fund investments.
This strategy provides flexibility, possible tax benefits, and the opportunity to benefit from professional fund management. SWPs are particularly suitable for those seeking regular income while maintaining their investment portfolio’s growth potential.
Real Estate Investment Trusts (REITs) are an attractive option for generating monthly income. These investment vehicles pool funds from multiple investors to invest in income-generating real estate properties. REITs typically distribute a significant portion of their rental income as dividends, providing investors with regular and potentially tax-efficient monthly income.
A compelling opportunity to guarantee a steady monthly income can be found by investing in dividend-paying stocks. These dividend-paying companies distribute a portion of their earnings to shareholders at regular intervals, thereby creating a consistent cash flow for investors.
Fixed deposits (FDs) are a top choice for generating a reliable monthly income. You can invest a lump sum for a set period of time with FDs, and you’ll get regular interest payments. They offer safety, predictable returns, and diverse tenure options, making them an excellent option for those seeking steady monthly income without the uncertainty of market fluctuations. FDs are especially well-liked by retirees seeking income stream stability and risk-averse investors.
Unit Linked Insurance Plans (ULIPs) offer a unique blend of insurance and investment, making them an option for potential monthly income. Even though their main purpose is to achieve long-term objectives, certain ULIPs allow for partial withdrawals following a lock-in period. They do, however, have expenses and risks related to the market. If the policyholder chooses a systematic withdrawal plan (SWP) or converts to a pension option at maturity, ULIPs can offer an income stream. Yet, their suitability for monthly income depends on the chosen plan’s terms, costs, and risk tolerance.
Post Office Monthly Income Scheme
The Post Office Monthly Income Scheme (POMIS) is a secure and low-risk investment avenue that ensures a consistent monthly income stream for investors.
To open a POMIS account, go to any post office and deposit at least INR 1,000. However, the maximum deposit for an individual account is INR 9 lakh and INR 15 lakh for a joint account. The term of the POMIS is set at 5 years, and the current interest rate is 7.40% per annum, with interest payments made monthly.
Debt Mutual Funds
Debt mutual funds are professionally managed investment vehicles that allocate their assets into fixed-income securities, including government bonds, corporate bonds, and money market instruments. Their main goal is to provide a steady income stream while reducing the amount of market volatility that is often connected to equity funds. The returns generated by debt mutual funds are subject to fluctuations based on prevailing market conditions.
Best Investment Options To Invest 35 lakhs for Monthly Income
|Investment Option||Yield||Returns||Tax Implications||Volatility||Security|
|Monthly Income Plans||Varies||11-14%||Taxation on gains||Low||Diversified Portfolio|
|SWPs||Varies||6-8%||Taxation on gains||Moderate to high||No guarantee|
|REITs||5.5%-7.5%||8.11% (Mindpsace REIT)||Taxation on dividends||Moderate to High||No guarantee|
|Stocks||Varies||Varies||Taxation on dividends||High||No guarantee|
|Debt Mutual Funds||Varies||6-9%||Taxation on gains||Moderate to high||Diversified Portfolio|
|POMIS||Varies||7.1%||Interest income taxable||Low||Sovereign Guarantee|
|FDs||Varies||4-8%||Interest income taxable||Low||Bank Guarantee|
|ULIPs||Varies||12%||None post 5 years||Medium to High||Diversified Portfolio|
|Real Estate Structured Debt||12-20%||12-20%||None||Low-None||Secured by Real Estate|
What is the Best Investment option to Invest 35 lakhs for Monthly Income?
As depicted in the table provided, it’s evident that real estate structured debt stands out as the most lucrative investment choice, presenting the potential for impressive returns ranging from 12% to 20%. Excited to embark on your investment journey?
If you’re looking to invest your hard-earned 35 lakhs for monthly income, Assetmonk offers a promising opportunity in the form of real estate structured debt. Investors can secure a guaranteed Internal Rate of Return (IRR) of 17 percent through alternative investment platforms such as Assetmonk. Furthermore, investors may be able to benefit from tax savings of up to Rs. 50K. Isn’t that incredible?
Investing 35 lakhs for monthly income is achievable with careful planning and the right investment approach. By diversifying your portfolio, considering fixed-income options, and seeking professional guidance, you can create a sustainable income stream to support your financial needs.
Assetmonk is a dedicated alternative investment platform that provides investors with exceptional alternative investment choices backed by real estate. These investment products not only promise a solid IRR of 17% but also come with asset-backed security and a convenient exit strategy. Carefully curated from India’s thriving private markets, these investment opportunities are overseen by a trustee registered with SEBI. With a minimum investment of just 10 lakhs, you can enjoy the advantages of stress-free investing and attractive high returns.
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Q1. How to Invest 35 lakhs for Monthly Income?
A. You can invest 35 lakhs for Monthly income in the following avenues:
- Real estate structured debt
- Monthly Income Plans
- Fixed deposits
Q2. How to get Monthly income from Investments?
A. The best investment to get Monthly income is real estate. Real estate ensures you assured monthly income via rental income and capital appreciation.
Q3. Which is the best investment plan for monthly income?
A. The best investment plan for monthly income is commercial real estate structured debt. It is a fixed-income investment with an assured IRR of 17 percent via alternative investment platforms like Assetmonk.