Retirement planning at 50: How a Rs 1.3 crore bond portfolio can generate nearly Rs 1 lakh a month

Financial experts suggest retirement planning should focus on purpose-driven portfolios rather than arbitrary corpus targets. A balanced mix of liquidity, fixed income, and equities can provide stable income, protect against inflation, and support long-term financial security throughout retirement. For instance, a Rs 1.3 crore bond portfolio earning 9 percent can generate around Rs 97,500 per month before tax, helping retirees cover regular expenses without selling equity funds during market corrections.