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Retirement planning at 50: How a Rs 1.3 crore bond portfolio can generate nearly Rs 1 lakh a month
Economic Times 2 hrs ago·25 Jul 2026, 5:40 am
Retirement planning often focuses on accumulating a large corpus, but experts suggest the real goal is generating a steady monthly income stream. A portfolio worth Rs 1.3 crore can theoretically produce nearly Rs 1 lakh a month through a mix of fixed income and equities. This approach prioritizes cash flow over a lump sum, ensuring that savings last throughout retirement.
For investors, this strategy highlights the importance of asset allocation. A balanced mix of liquid funds, bonds, and equities helps manage risk while providing stability. It protects the portfolio against inflation and market volatility, offering a reliable income source. This method is particularly relevant for those nearing retirement who need to balance growth with safety.
Moving forward, investors should focus on building a purpose-driven portfolio that aligns with their financial needs. Regular reviews and adjustments to the asset mix will be crucial to maintaining this balance. Keeping an eye on interest rates and market trends will help in making informed decisions to sustain financial security in the long run.
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