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REDDIT
Risk-free investment options for retired father (₹1 Cr corpus, ₹80k–₹1L monthly income)
Hi everyone,
My father retired recently and has about ₹1 crore saved up. We’re trying to be very conservative with this money.
The main goal is:
Capital should stay safe
No stock market or risky investments
Monthly income of around ₹80k–₹1 lakh to manage regular expenses
Minimal monitoring and no stress
Basically looking for something stable where the money stays intact and generates a predictable monthly income.
Just wanted to understand from people here:
Is this kind of monthly income realistic without taking risk?
If yes, what kind of options should we look at?
If not, what would be a sensible expectation from a completely safe setup?
Would really appreciate advice from anyone who has dealt with retirement planning or similar situations.
Thanks.