The individual’s brother-in-law has recently sold company stock worth Rs.60L and seeks investment options in India for decent regular returns. He is not interested in stocks due to existing investments in Indian and US markets. Potential investment options suggested include REITs, fractional investments, or land purchases. Other suggestions include SCSS scheme, senior secured bonds on Wint Wealth, high yield FDs, and Multicap/Nifty 500 Momentum 50 index funds. It is recommended to create a 70:30 folio of equity:debt, including EPF, PPF, FD, RD, and other debt mutual funds. If debt investment is already high, investing the Rs.60L in a Nifty50 index fund is advised.
Alternative suggestions include fixed deposits for seniors, which can yield up to 8.5%, or a conservative balanced fund. Real estate investments with higher rental income are also mentioned but noted as challenging to find. The equity:debt ratio should be balanced annually or quarterly if preferred. Additionally, it is advised to hold some physical, MMTC-certified gold.
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