Deriving income from investments | Value Research Read on to know how the portfolio planner of Value Research can help you in allocating your corpus to derive regular income
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Deriving income from investments

Read on to know how the portfolio planner of Value Research can help you in allocating your corpus to derive regular income

06-Apr-2022

Assume you've made all the correct decisions and have amassed a sizable fortune to take you through your golden years. And, now you want to derive regular income from the corpus that you have accumulated.

How would you go about doing that?

The answer is simple - Value Research Online. Value Research's intelligent portfolio planner can give you fund suggestions that can provide you with steady returns on a monthly basis. These recommendations are customised as per your accumulated corpus and desired monthly income.

  • Simply log in to your Premium account on Value Research Online and go to the Portfolio Planner.
    • Deriving income from investments
  • On the next page, you will be presented with three aims. Click on 'Invest for monthly income'.
    • Deriving income from investments
  • Then answer the three questions, after which you will be presented with the list of suggested investments. Not only that, Value Research also gives you the reason for suggesting these funds to you.
    • Deriving income from investments

However, always be mindful of the following:

  • Invest about a third of your retirement accumulation in equity. These investments will help you beat inflation in the long years of retirement. Opt for two or three diversified equity funds such as flexi-cap funds.
  • Invest the amount equal to first year's income requirement in a liquid fund and create a monthly SWP to derive regular income.
  • Invest the balance in safe debt funds which don't take aggressive bets on interest rates or credit quality. Funds such as short-duration funds can be a good choice.
  • Rebalance your portfolio once a year by transferring the next one year's income requirement to a liquid fund and keep the equity allocation in the 33-35 per cent range. Keep following this year after year.

Check out Value Research Premium for exclusive features.

Suggested read: How to derive income in retirement

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