How ₹5 Lakh Can Generate Monthly Income with Mutual Funds | Balanced Portfolio | Vijay Karanam

In this comprehensive session, SocialPost Finance is joined by Vijay Karanam, Founder of Maha Capital, to explore detailed strategies on how a lump sum investment of ₹5 Lakh can be structured to generate regular monthly income using mutual funds.

Vijay Karanam outlines five specific strategies that allow investors to generate a minimum monthly withdrawal of ₹3,500 up to a maximum of ₹20,000.

Key Strategies Discussed:

• Low-Risk Passive Income: Learn how to withdraw ₹3,500 monthly, generating more returns than a Fixed Deposit, while also potentially doubling your ₹5 Lakh capital to ₹10 Lakh within 7 to 10 years. This strategy involves allocating initial funds to Debt funds, with the remainder split between Balanced/Dynamic Asset Allocation Funds (DAF) and Aggressive funds.

• High Immediate Income (Short Term): A second strategy allows for a higher ₹10,000 monthly withdrawal immediately, though this high-risk approach involves aggressive fund allocation (10% Debt, balance Aggressive) and results in the capital decreasing (₹5 Lakh may reduce to ₹2 Lakh–₹3 Lakh) over five to six years.

• Delayed High Withdrawal: Strategies for those who can wait five years before starting withdrawals are also covered. Waiting five years could allow for a ₹7,000 monthly withdrawal with the capital still doubling to ₹7 Lakh–₹10 Lakh.

• Maximum Monthly Income: By investing in highly aggressive funds, such as Thematic or Small Cap funds, and waiting five years, it is possible to withdraw ₹20,000 every month while potentially keeping the capital above the initial ₹5 Lakh.

Important Advice & Risk Management:

• Tenure: Increasing the tenure beyond five years (e.g., to seven years) can lead to a further increase in monthly income by ₹1,000 to ₹3,000.

• Market Risk: It is crucial to remember that all these strategies are subject to market risk and are not guaranteed.

• Fund Selection: Investors are strongly advised to use Open-ended mutual funds for withdrawal flexibility, as Closed-ended mutual funds (like ELSS or Children funds) have fixed withdrawal time lines and restrictions.

• Starting Small: If you do not have a ₹5 Lakh lump sum available, Vijay Karanam recommends starting a Systematic Investment Plan (SIP) immediately to accumulate the required capital within two to three years.

Disclaimer: This video discusses investment strategies and fund allocation based on expert opinion. Investments are subject to market risks. Please consult your financial advisor.

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How ₹5 Lakh Can Generate Monthly Income with Mutual Funds | Balanced Portfolio | Vijay Karanam
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#Finance #Investing #MoneyTips #SocialPostFinance #Socialpost

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