Retirement Planning: If a person has retired, and he is going to get Rs 50 lakh of EPF and gratuity on retirement. Now that person is worried about how to meet his monthly expenses. After retirement, salary will not come into the account every month, but pension will come. However, the pension will not be enough to meet the monthly expenses. Now, in such a situation, if the person does not want to invest retirement money in shares and mutual funds, then where should to invest to get regular income?

Many options are available for investment.

Experts say that apart from shares and mutual funds, there are other investment options as well. Such as bank FD, post office schemes and corporate bonds. However, if we talk about regular income, there are very few options.

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Post office schemes are safe.

The post office has two schemes, in which you can get a regular income every month by investing money. These schemes are supported by the government, due to which the investment in them remains safe. That is, along with the money being safe, good returns are also available. People are also showing interest in investing in the post office scheme.

These two schemes are the Post Office Senior Citizens Scheme (SCSS) and the Post Office Monthly Income Scheme (POMIS). People aged 60 years or more can invest in these schemes. Investment can be made in both single and joint ways. The interest rate in this is up to 8.2 per cent. You can invest up to a maximum of Rs 30 lakh in this scheme. The duration of this scheme is 5 years. However, after this, it can be extended for 3 years. If you invest Rs 30 lakh more in the SCSS scheme, then you get Rs 61,500 every quarter. That is, you will get about Rs 20,000 every month as interest.

Make arrangements for regular income every month.

You can invest Rs 15 lakh in the Post Office Monthly Scheme (POMIS). Under this scheme, you can invest Rs 9 lakh in a single account and Rs 15 lakh jointly. If you invest Rs 15 lakh in the scheme, you will get a regular income of Rs 9,250 every month. According to this, you can earn an income of Rs 30,000 every month by investing in POMIS and SCSS. The remaining Rs 5 lakh can be invested in an FD.