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How to Invest 45 Lakhs for Monthly Income?

  • Author: Sri Rakesh Chintapalli
  • 5 min read
  • November 10, 2023
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Looking for the Best Investment avenue for your hard-earned 45 lakhs? Don’t worry, This comprehensive guide will walk you through the various investment options, strategies, and expert insights on how to effectively invest 45 lakhs for monthly income. 

Investing 45 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 Monthly 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.

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Where to Invest 45 lakhs for Monthly Income?

If you’re looking for the best investment opportunity in India to invest 45 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 sector. 

These structured debt investments in real estate entail customized financing solutions tailored to suit commercial real estate projects. They present investors with the prospect of potentially securing attractive returns and Monthly income streams. What’s notable is that entry into this investment avenue is accessible with a relatively modest initial investment, and it holds the potential to yield returns ranging from 12 to 20%. These investment opportunities are made available through well-established alternative investment platforms like Assetmonk.

Considerations For Investing 45 Lakh Rupees for Monthly Income

Investing 45 lakhs for a monthly income is a wise choice if your goal is to become financially independent and have a steady stream of income. Your needs can be met by a variety of financial instruments, from which you can select one depending on your risk tolerance and financial objectives. 

The optimal investment strategy will be to invest in a bunch of investment products that will give good returns with the lowest risk. To make well-informed investment decisions, consider the following factors:

Type of Investment

The market offers a wide range of investment plans, including bonds, mutual funds, direct equity, fixed deposits, and real estate. A comprehensive analysis of the pros and cons of each option is necessary prior to making a decision. Furthermore, consider your financial goals and risk profile to select a suitable investment option.

Diversification

Diversify your portfolio across different asset classes to mitigate risk. Consider allocating your investment across multiple options to balance potential returns and income stability.

Returns

Depending on the kind, market performance, and other variables, different asset classes offer differing returns. Fixed-income investments, such as fixed deposits, generally offer lower interest rates compared to mutual funds, which have the potential for higher returns. It’s important to note that mutual funds are subject to market risk.

Structured debts secured by Real estate is a highly secure form of investment and offers an assured IRR of 17% with minimum investment period of 36 months,  making it an appealing choice, especially for investors seeking consistent monthly income. 

 Carefully consider the possible returns to see if the investment option fits your financial objectives. Additionally, factor in inflation and compare it to the offered returns when making your choice.

Tax Liability

Understand the tax implications associated with the chosen investment options. Consider the impact of taxation on the monthly income generated.

Senior citizens, for example, are exempt from paying interest on up to Rs. 50,000 of income each year. However, the majority of mutual fund returns are liable to capital gains tax. Understanding the tax implications will help you make tax-efficient investment decisions and maximize your overall returns.

Top Investment Options for Investing 45 Lakhs to Get Monthly Income in India

Real Estate Structured Debt

Real estate structured debt is an appealing option for those seeking a stable monthly income. They are fixed income products investment vehicles that provide investors with fixed-income returns through investments in real estate assets. It involves lending capital to real estate projects and receiving Monthly interest payments, offering attractive yields and lower volatility compared to equities.

 Real Estate Investment Trusts (REITs)

REITs are an attractive option for generating monthly income. These investment vehicles pool funds to invest in income-generating real estate properties and distribute a significant portion of rental income as dividends.

Monthly Income Plans (MIPs)

MIPs are known for providing stable fixed income investments. These hybrid mutual funds primarily focus on debt securities and offer Monthly monthly distributions to investors.

Systematic Withdrawal Plans (SWPs)

SWPs offer a way to generate consistent monthly income from mutual fund investments. Monthly withdrawals can be set up, offering flexibility and a reliable steady source of income.

Debt Mutual Funds

Debt mutual funds are investment vehicles that pool money from multiple investors to invest in fixed-income securities such as government bonds, corporate bonds, and money market instruments. These funds are managed by professional fund managers who aim to generate stable income for investors. They aim to provide a stable income stream with lower market volatility compared to equity funds.

Fixed Deposits

Fixed deposits (FDs) are a reliable choice for generating a steady monthly income. They offer safety, predictable returns, and various tenure options. 

This type of passive investment is considered more secure than mutual funds, , etc. but it does not provide very high returns. If the investor does not require interest every month, it can be accumulated, resulting in compound interest and slightly higher returns.

Commercial real estate structured debt is an attractive investment option where investors can get an assured IRR of 17%.

Equity Investments

Investing in equity investments can provide an opportunity to secure reliable monthly income. These companies distribute earnings to shareholders at Monthly intervals.

Post Office Monthly Income Scheme (POMIS)

POMIS is a government-backed investment scheme designed to provide monthly income to investors. The tenure of the POMIS is fixed at 5 years, and the current interest rate stands at 7.40% per annum, with interest payments made on a monthly basis. 

POMIS is a secure and low-risk investment avenue that ensures a consistent monthly income stream for investors.

Unit Linked Insurance Plans (ULIPs)

ULIPs combine insurance and investment. Some ULIPs offer the flexibility of partial withdrawals after a lock-in period, potentially providing a monthly income stream.

Systematic Investment Plans (SIPs)

Consider Systematic Investment Plans (SIPs) in equities mutual funds if you are willing to assume a moderate amount of risk in exchange for possibly higher returns. SIPs allow you to invest small amounts Monthlyly, reducing the impact of market volatility and promoting long-term wealth creation.

These investment options provide diverse strategies for generating monthly income from your 45 lakhs. Consider your financial goals, risk tolerance, and investment horizon when making choices to align with your specific needs and circumstances.

Best Options to Invest 45 Lakhs for Monthly Income

Investment OptionYieldReturnsTax ImplicationsVolatilitySecurity
REITs5.5%-7.5%8.11% (Mindpsace REIT)Taxation on dividendsModerate to HighNo guarantee
SWPsVaries6-8%Taxation on gainsModerate to highNo guarantee
Monthly Income PlansVaries11-14%Taxation on gainsLowDiversified Portfolio
Debt Mutual FundsVaries6-9%Taxation on gainsModerate to highDiversified Portfolio
StocksVariesVariesTaxation on dividendsHighNo guarantee
FDsVraies4-8%Interest income taxableLowBank Guarantee
POMISVaries7.1%Interest income taxableLowSovereign Guarantee
Real Estate Structured Debt12-20%12-20%NoneLow-NoneBacked By Real Estate
ULIPsVaries12%None post 5 yearsMedium to HighDiversified Portfolio
SIP12%VariesNo guaranteeLow-HighTaxation on gains

What is the Best Investment option to Invest 45 lakhs for Monthly Income?

As evident from the above investment options, structured debt real estate emerges as the most favorable investment choice when seeking to invest 45 lakhs for monthly income. 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. Sounds great right?

How can Investment of 45 lakhs with Assetmonk Benefit You?

Assetmonk’s real estate-backed structured debts can be an attractive investment opportunity for retail investors due to several reasons:

  • Diversification: Investing in real estate-backed structured debt allows retail investors to diversify their portfolios by adding exposure to the real estate market, which may not be closely correlated with the performance of traditional asset classes like stocks and bonds.
  • Capital preservation: Some structured debt products offer capital protection features, meaning that investors may be protected from significant losses in case the underlying real estate assets underperform. For risk-averse investors looking to preserve capital and earn income, this makes them a desirable alternative.
  • Higher yields: Real estate-backed structured debt products, such as Asset Backed Securities (ABS) often provide higher yields with an assured IRR of 17 percent.
  • Exposure to real estate market growth: By investing in real estate-backed structured debt, retail investors can indirectly participate in the growth of the real estate market and benefit from potential increases in property values.
  • Liquidity: These real estate-backed structured debt products, such as ABS, MBS, or CMBS, are traded in the secondary market, providing investors with a certain level of liquidity.
  • Professional management: Structured debt products are managed by experienced professionals who carefully analyze the underlying assets and structure the products to optimize risk and return for investors.

Bottom Line

As discussed above, there are numerous investment options available to an investor looking  to invest 45 Lakhs for Monthly income every month. A sound investment plan can be drawn to ensure that the investor gets Monthly monthly income from investment while taking an optimum or minimum risk, depending on the income that needs to be generated per month, the tenure of the investment, and the risk appetite of the investors.

Assetmonk, India’s rapidly growing and promising alternative investment platform, is committed to providing exceptional investment opportunities backed by real estate assets. These investment opportunities are carefully selected from India’s thriving private markets and are overseen by a trustee registered with SEBI.

Investors can enjoy an assured 17 percent Internal Rate of Return (IRR) by participating in our structured debt offerings in the commercial real estate sector with a minimum investment of Rs. 10 lakhs.

This is a once-in-a-lifetime opportunity to capitalize on India’s economic growth and be a part of its success story. Don’t miss out on this exciting development that allows you to ride the wave of economic prosperity in India.

Reach out to us and Start investing today!

Related Articles

1. How To Invest 10 Lakhs Rupees For Monthly Income 

2.  How To Invest 40 lakhs for Monthly Income

FAQs

Q1. How to invest 45 lakhs for monthly income?

A. You can invest 45 lakhs for Monthly income in the following avenues:

  • Real estate structured debt
  • Monthly Income Plans
  • Fixed deposits
  • POMIS

Q2. How to invest 40 lakhs for monthly income?

A. To generate monthly income from 40 lakhs, consider investing in rental properties, a mix of bonds and debentures, dividend stocks, and mutual funds with SWPs. Diversifying these options can provide a stable income stream.

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.

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