Your brother-in-law has Rs.60L to invest for decent regular returns. He is considering REITs, fractional investments, or buying land but wants to avoid stocks due to existing investments in Indian and US markets. He could explore bonds, such as Sebi registered bonds on platforms like Wint Wealth, which could yield a monthly cash flow of Rs.50K. He could also consider investing in a Senior Citizen Savings Scheme (SCSS) for a quarterly payment of Rs.61,500, or high-yield fixed deposits on platforms like Stable Money or Wint Wealth.
Other options include a 70:30 folio of equity:debt, including EPF, PPF, FD, RD, and other debt mutual funds. He could also invest in nifty50 index funds or constant maturity gilt funds and ultrashort term funds. Alternatively, he could consider investing in a PG (paying guest) accommodation in tier 2 student hub cities, which could generate a monthly profit of Rs.1.25L if built with 50 rooms.
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