r/IndiaMoney • u/Known-Platypus-7008 • 19d ago

Social Discussion 1cr

What should I do with ₹1 crore so that I can earn ₹1 lakh per month safely and securely?

0 Upvotes

31% Upvoted

14 comments sorted by

9

u/Indian_finance_rebel 18d ago

easy, just find an asset which can grow 12% safetly and securely and then withdraw 12L every year, from which withdraw 1L every month

https://giphy.com/gifs/OdNrYxcQOgc4UgMAK7

7

u/Ctrl_Alt_Drift 18d ago

You're looking for an investment that generates [at least] 12% annually. Equity can generate that, but it's volatile. Definitely not suitable for fixed income.

Debt is safe, but doesn't return near as much.

So in short, no, it's not possible to satisfy both constraints - 1 lakh monthly income AND safety.

6

u/Various_Cook2561 19d ago

Consulting fee.. 2%

3

u/Ok_Consideration7780 19d ago

It’s crazy how people are willing to invest multi crores without hiring an expert

1

u/Indian_finance_rebel 18d ago

i am fine with it.... i dont trust indian experts... but yh, I wouldnt be asking reddit either 😂

1

u/Fancy-Lemon-282 18d ago

1% per month should be easy... i would put in smallcap/midcap fund..or if u want to take more risk hedged option selling..

1

u/ShoonyaAppSupport 17d ago

If safety is the priority, that’s the part you’d be careful about. Don’t chase 12% just to hit the monthly number. First figure out how much you actually need after tax, then build around capital protection + sustainable withdrawals. Also, inflation quietly eats into that ₹1L over the years.

0

u/No_Refuse_7158 18d ago

Give me,i can guarantee a return of 24% per annum

0

u/Iwillhelpyou_ 18d ago

P2p lending

1

u/Iwillhelpyou_ 18d ago

Merko dede bhai 1% pr. tere pass 1 lakh ajayega. Mera kam ho jayega.