The Problem: Unstable Income After Retirement
Ramesh, a 60-year-old retired businessman, had always believed in equity investments. Over the years, he had built a decent portfolio, but after retirement, he faced a new challenge—he needed a stable monthly income without worrying about market volatility.
- Fixed deposits offered low interest rates that barely beat inflation.
- His stock portfolio was too volatile for his comfort.
- He wanted consistent returns to manage his post-retirement expenses.
That’s when his financial advisor introduced him to Bonds and Non-Convertible Debentures (NCDs).
The Solution: Investing in Bonds & NCDs
Instead of keeping all his money in stocks or fixed deposits, Ramesh diversified:
- 50% in Government Bonds : Safe, steady income with guaranteed returns.
- 30% in Corporate Bonds : Higher returns with moderate risk.
- 20% in Secured NCDs : Fixed, regular payouts with better interest than FDs.
The Result: A Stable Monthly Income
With this strategy, Ramesh started earning a fixed income of ₹75,000 per month from interest payouts alone.
- No stock market stress.
- Better returns than FDs.
- Guaranteed income for retirement.
Now, instead of worrying about market crashes, Ramesh enjoys his golden years stress-free, knowing his money is working for him.
The Lesson: Why Bonds & NCDs Are Great for Passive Income
- Predictable Returns : Unlike stocks, bonds and NCDs offer fixed interest.
- Lower Risk : Especially government bonds and secured NCDs.
- Great for Retirees & Conservative Investors : Ensures regular income without capital loss.
Want to Build a Stable Passive Income?
At DHM Finserv, we help investors choose the right bonds & NCDs for stable, fixed income. Start investing today and secure your financial future.
