Advice on Investment of Retirement Corpus

I will be retiring soon in August 2025 (60 years) from Central Govt job and and entitled for superannuation pension. I want to invest retirement corpus fruitfully and gainfully for my requirements. Please suggest how to park money in different schemes. Details are given blow:

1) Monthly pension incl. DA: Rs. 1.25 lakh approx

2) PF+Gratuity+Leave encash.+Pension commutation: Rs. 1.9 Cr. approx.

3) Bank balances incl FD: Rs. 80 lakh

3) Post Office MIS: Rs. 15 lakh

4) Corpus in NPS (Citizen): Rs. 19 lakh (Can be continued to invest till 70 years of age)

5) MF investments: Rs. 17 lakh (present value)

6) PPF: Rs. 20.5 lakh approx.

I will stay in my own house. 

Need an honest advice to invest my money.

TIA.

Replies (1)

Based on the information provided, here's a comprehensive investment plan to help you make the most of your retirement corpus:

Investment Objectives 1. *Income Generation*: Create a steady income stream to supplement your pension. 2. *Capital Preservation*: Safeguard your retirement corpus while generating returns. 3. *Growth*: Invest in assets that can grow over time, providing a hedge against inflation. Asset Allocation

To achieve the above objectives, consider the following asset allocation: 1. *Fixed Income (40% - 50% of retirement corpus)*: - Bank FDs: Rs. 40 lakh ( approx. 2.5% interest) - Post Office MIS: Rs. 15 lakh ( approx. 7.5% interest) - Consider investing in other fixed income options like bonds or debt mutual funds 2

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