If you’re looking to earn regular income—instead of letting your money sit idle—Ankur Warikoo’s video is an excellent guide for beginners. He breaks down practical ways to set up reliable monthly cash flow from your investments.
This post simplifies his advice so anyone can understand and act on it.
1. Why Focus on Regular Income?
Ankur Warikoo explains that investing isn’t just about growing your wealth for the long-term—it can also replace or supplement your salary.
- Ideal for retirees, freelancers, or anyone wanting a safety net.
- Offers peace of mind knowing you have a predictable income stream.
- Helps manage day-to-day expenses without dipping into savings.
Regular income investing is about building financial freedom—earning while you sleep.
2. Best Options for Generating Monthly Income
Warikoo highlights 5 proven ways to earn steady returns:
- Fixed Deposits (FDs):
- Safe and predictable.
- Many banks now offer monthly interest payout options.
- Lower returns (~6–7%), but great for low-risk investors.
- Post Office Monthly Income Scheme (POMIS):
- Government-backed, ~7.4% interest.
- Pays monthly, with high safety.
- Perfect for retirees or ultra-conservative investors.
- Mutual Fund SWP (Systematic Withdrawal Plan):
- Invest in debt or balanced funds.
- Withdraw a fixed amount every month.
- Flexible and potentially higher returns (8–10%)—but some market risk.
- Dividend Stocks or Mutual Funds:
- Own shares in companies that pay regular dividends.
- Dividend yields of 2–5% typically, plus potential for stock price growth.
- Needs research, but good for long-term wealth with income.
- Rental Income from Real Estate:
- Buy property, rent it out for monthly rent.
- Stable cash flow, plus property appreciation.
- Requires higher initial capital and maintenance effort.
3. Balancing Risk and Returns
Warikoo emphasizes the need to match your risk tolerance:
- Safer options: FDs, POMIS.
- Moderate risk: Debt funds with SWP.
- Higher risk: Dividend stocks, real estate.
He warns beginners not to chase high returns blindly. Instead, build a diversified portfolio that balances stability with growth.
Subscribe to : warikoo
4. Start Small, Be Consistent
One of Warikoo’s best pieces of advice is:
“Start investing with whatever you have. Don’t wait for the perfect time.”
- Even ₹500/month can build the habit.
- Automate investments for discipline.
- Increase your investment as your income grows.
The earlier you start, the faster you benefit from compounding—the real engine of wealth.
5. The Mindset Shift
Ankur Warikoo also talks about changing how we think about money:
- Move from spending what you earn to investing what you earn.
- Prioritize financial freedom over short-term pleasures.
- Make your money work for you—so you don’t always work for money.
This mindset shift is the foundation of building regular, passive income streams.
Final Takeaway
Regular income investing is not just for the rich. Anyone can start building a dependable monthly income with small, consistent investments. By combining safer options like FDs with higher-yield strategies like SWPs or dividends, you can create a reliable, personalized income stream.
Want to plan your own regular-income portfolio? Check out resources and guides on Investment Marg. For more personal finance tips and lifestyle hacks, visit InkSpireDaily.
FAQs:
Q1. What is the easiest way to get monthly income from investments?
Fixed Deposits and Post Office Monthly Income Schemes are simplest and safest, with predictable monthly payouts.
Q2. Is Mutual Fund SWP safe?
It carries some market risk, but investing in debt or balanced funds can reduce volatility while offering better returns than FDs.
Q3. How much do I need to invest for ₹10,000 monthly income?
It depends on returns. At 8% annual returns, you’d need ~₹15 lakh. Always calculate based on your target and chosen instrument.
Q4. Are dividends guaranteed?
No. Dividend-paying companies typically aim for regular payouts, but they can reduce or skip dividends in tough times.
Q5. Should beginners start with high-risk investments?
Not recommended. Beginners should balance safe options with moderate-risk choices and gradually learn more before taking bigger risks.
Credits to : warikoo
About The Author
