{"id":10985,"date":"2025-11-28T03:54:55","date_gmt":"2025-11-28T03:54:55","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=10985"},"modified":"2026-02-24T10:52:53","modified_gmt":"2026-02-24T10:52:53","slug":"how-to-build-a-fixed-income-portfolio-for-monthly-cash-flow-in-india","status":"publish","type":"post","link":"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/how-to-build-a-fixed-income-portfolio-for-monthly-cash-flow-in-india\/","title":{"rendered":"How to Build a Fixed-Income Portfolio for Monthly Cash Flow in India"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">The year 2025 will be remembered as a period marked by uncertainty, job losses, and the rapid rise of artificial intelligence (AI). Layoffs across industries, unstable career paths, and persistent inflation have once again diverted our attention towards one harsh truth:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><i><span style=\"font-weight: 400;\">You cannot rely solely on your paycheck!\u00a0<\/span><\/i><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Yes, and as we move into 2026, financial stability may largely depend on how strong your \u201csecondary sources of income\u201d are. <\/span><i><span style=\"font-weight: 400;\">Okay, but how to develop them?<\/span><\/i><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">One of the best ways is to build a monthly income portfolio. These portfolios are a collection of debt-based financial instruments which offer monthly or periodic passive income. Want to learn more? Read this article to learn how a <\/span><span style=\"font-weight: 400;\">fixed income portfolio in India<\/span><span style=\"font-weight: 400;\"> works, which instruments are commonly used, and how monthly payouts are generated.\u00a0<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/how-to-build-a-fixed-income-portfolio-for-monthly-cash-flow-in-india\/#What_is_a_Fixed-Income_Portfolio\" >What is a Fixed-Income Portfolio?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/how-to-build-a-fixed-income-portfolio-for-monthly-cash-flow-in-india\/#How_to_Design_a_Fixed-Income_Portfolio_in_India\" >How to Design a Fixed-Income Portfolio in India?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/how-to-build-a-fixed-income-portfolio-for-monthly-cash-flow-in-india\/#Which_Instruments_are_Commonly_Used_for_Monthly_Cash_Flow\" >Which Instruments are Commonly Used for Monthly Cash Flow?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/how-to-build-a-fixed-income-portfolio-for-monthly-cash-flow-in-india\/#A_Government_Bonds\" >A) Government Bonds<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/how-to-build-a-fixed-income-portfolio-for-monthly-cash-flow-in-india\/#B_Corporate_Bonds_and_FDs\" >B) Corporate Bonds and FDs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/how-to-build-a-fixed-income-portfolio-for-monthly-cash-flow-in-india\/#C_Debt_Mutual_Funds\" >C) Debt Mutual Funds<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/how-to-build-a-fixed-income-portfolio-for-monthly-cash-flow-in-india\/#D_Government_Schemes\" >D) Government Schemes<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/how-to-build-a-fixed-income-portfolio-for-monthly-cash-flow-in-india\/#4_Common_Risks_in_Fixed-Income_Portfolios_in_India\" >4 Common Risks in Fixed-Income Portfolios in India<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/how-to-build-a-fixed-income-portfolio-for-monthly-cash-flow-in-india\/#In_Summary_A_Fixed_Income_Portfolio_in_India_May_Contain_Bonds_FDs_and_Debt_Mutual_Funds\" >In Summary, A Fixed Income Portfolio in India May Contain Bonds, FDs, and Debt Mutual Funds<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/how-to-build-a-fixed-income-portfolio-for-monthly-cash-flow-in-india\/#Fixed_Income_Portfolio_in_India_FAQs\" >Fixed Income Portfolio in India FAQs<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/how-to-build-a-fixed-income-portfolio-for-monthly-cash-flow-in-india\/#1_How_to_develop_a_bond_ladder_in_India\" >1. How to develop a bond ladder in India?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/how-to-build-a-fixed-income-portfolio-for-monthly-cash-flow-in-india\/#2_Can_I_get_a_pre-determined_return_from_SWPs_Systematic_Withdrawal_Plans\" >2. Can I get a pre-determined return from SWPs (Systematic Withdrawal Plans)?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/how-to-build-a-fixed-income-portfolio-for-monthly-cash-flow-in-india\/#3_What_does_a_sovereign_guarantee_mean\" >3. What does a sovereign guarantee mean?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/how-to-build-a-fixed-income-portfolio-for-monthly-cash-flow-in-india\/#4_How_to_review_credit_ratings_of_corporate_bonds_and_FDs\" >4. How to review credit ratings of corporate bonds and FDs?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/how-to-build-a-fixed-income-portfolio-for-monthly-cash-flow-in-india\/#Disclaimer\" >Disclaimer:<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"What_is_a_Fixed-Income_Portfolio\"><\/span><span style=\"font-weight: 400;\">What is a Fixed-Income Portfolio?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">It is a mix of interest-paying instruments, such as:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Government bonds<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Corporate bonds<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fixed deposits<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Debt mutual funds<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">When you build a <\/span><span style=\"font-weight: 400;\">fixed-income portfolio in India<\/span><span style=\"font-weight: 400;\">, your goal may be to choose debt products that let you meet your financial priorities. These priorities usually fall into three simple categories:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Safety: How secure is your principal?\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Yield: How much interest can you earn?\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Liquidity: How easily can you access your money?\u00a0\u00a0<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Remember that every investor\u2019s mix looks different because each person values safety, yield, and liquidity in different proportions.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_to_Design_a_Fixed-Income_Portfolio_in_India\"><\/span><span style=\"font-weight: 400;\">How to Design a <\/span><span style=\"font-weight: 400;\">Fixed-Income Portfolio in India<\/span><span style=\"font-weight: 400;\">?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Do you think building a fixed-income portfolio is just about picking a few debt products? Nope! Before selection, you must understand several core ideas, such as:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Are you balancing safety, returns, and liquidity?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Are your interest payouts aligned with monthly needs?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Are you diversifying across issuers, ratings, and tenures?<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Are you using laddering techniques to stagger maturities?<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Once you understand these fundamentals, choosing the right mix of products becomes far easier. For more clarity, check out the primary principles you may follow while developing your <\/span><span style=\"font-weight: 400;\">fixed-income portfolio in India<\/span><span style=\"font-weight: 400;\">:<\/span><\/p>\n<div class=\"pcrstb-wrap\"><table>\n<thead>\n<tr>\n<th><span style=\"font-weight: 400;\">Principle<\/span><\/th>\n<th><span style=\"font-weight: 400;\">Explanation<\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">Balance Safety, Yield, and Liquidity<\/span><\/td>\n<td><span style=\"font-weight: 400;\">You may combine a mix of different instruments, such as:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Safe instruments (like government bonds)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><a href=\"https:\/\/goldenpi.com\/collections\/high-yield-bonds\" target=\"_blank\" rel=\"noopener noreferrer\">Higher-yield options<\/a> (like corporate bonds\/NBFC deposits)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Liquid tools (like short-term debt funds)<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Match Payout Structures to Income Needs<\/span><\/td>\n<td><span style=\"font-weight: 400;\">You may choose products that offer monthly, quarterly, or staggered interest payouts.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Spread Risk<\/span><\/td>\n<td><span style=\"font-weight: 400;\">You may diversify across different issuers, sectors, maturities, and credit ratings.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<p><i><span style=\"font-weight: 400;\">Disclaimer: The information above is purely educational. Individuals should conduct their own research and assessment before making any investment decisions.<\/span><\/i><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Which_Instruments_are_Commonly_Used_for_Monthly_Cash_Flow\"><\/span><span style=\"font-weight: 400;\">Which Instruments are Commonly Used for Monthly Cash Flow?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">A<\/span><span style=\"font-weight: 400;\"> fixed-income portfolio in India<\/span><span style=\"font-weight: 400;\"> uses multiple debt instruments that behave differently but complement each other. For example, one may offer safety, another may offer higher returns, and another may offer liquidity. Together, they create a diversified portfolio that is stronger than relying on any single product alone.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For your reference, below is a list of some debt products you may include in your portfolio:\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"A_Government_Bonds\"><\/span><span style=\"font-weight: 400;\">A) Government Bonds<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Government bonds could be the \u201cbackbone of stability\u201d in any <\/span><span style=\"font-weight: 400;\">fixed-income portfolio in India<\/span><span style=\"font-weight: 400;\">. <\/span><i><span style=\"font-weight: 400;\">Why?<\/span><\/i><span style=\"font-weight: 400;\"> That\u2019s because they carry a sovereign guarantee, which means you may get 100% of your principal + interest back in case of a default. Some common options in this segment are:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Government Securities (G-secs)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">RBI Floating Rate Bonds (FRSB)<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Both instruments provide regular income, though liquidity and payout frequency depend on the bond.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"B_Corporate_Bonds_and_FDs\"><\/span><span style=\"font-weight: 400;\">B)<a href=\"https:\/\/goldenpi.com\/corporate-bonds\" target=\"_blank\" rel=\"noopener noreferrer\"> Corporate Bonds<\/a> and FDs<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Corporate bonds and FDs are issued by companies, banks, and NBFCs (Non-banking Finance Companies). Their yields vary depending on the issuer\u2019s credit rating. Usually, AA or AAA-rated bonds and corporate FDs offer higher safety and lower returns as compared to lower-rated (say A, BBB, BB) financial products.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you are looking to invest in FDs or <\/span><span style=\"font-weight: 400;\">monthly income <a href=\"https:\/\/goldenpi.com\/\">bonds in India<\/a><\/span><span style=\"font-weight: 400;\">, you may <\/span><a href=\"https:\/\/goldenpi.com\/\"><span style=\"font-weight: 400;\">visit the GoldenPi platform<\/span><\/a><span style=\"font-weight: 400;\">. Here, you can find a variety of options, along with important details like coupon rate, credit rating, current yield, and more.\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"C_Debt_Mutual_Funds\"><\/span><span style=\"font-weight: 400;\">C) Debt Mutual Funds<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Debt mutual funds do not pay monthly interest directly. Instead, investors commonly use Systematic Withdrawal Plans (SWP) to create a monthly cash flow. In this setup, a fixed amount is withdrawn from the fund at regular intervals (such as once a month).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Some common types of debt funds are:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Liquid funds<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Short-term funds<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Corporate bond funds<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Target maturity funds<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">They may offer the advantages of diversification + professional management. However, remember that SWP amounts are not pre-determined and can fluctuate every month.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"D_Government_Schemes\"><\/span><span style=\"font-weight: 400;\">D) Government Schemes<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Besides G-secs and FRSB, there are also government-backed schemes that carry a sovereign guarantee. Some of the investment options you may consider while building your <\/span><span style=\"font-weight: 400;\">fixed income portfolio in India<\/span><span style=\"font-weight: 400;\"> are:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pradhan Mantri Vaya Vandana Yojana (PMVVY)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Post Office Monthly Income Scheme (POMIS)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Senior Citizen Savings Scheme (SCSS) (offers quarterly payout option)<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"4_Common_Risks_in_Fixed-Income_Portfolios_in_India\"><\/span><span style=\"font-weight: 400;\">4 Common Risks in <\/span><span style=\"font-weight: 400;\">Fixed-Income Portfolios in India<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Even though fixed-income options are generally more stable than equity instruments, they are not completely risk-free. To develop a better portfolio by picking the right products, learn about some common risks carried by most debt instruments:<\/span><\/p>\n<div class=\"pcrstb-wrap\"><table>\n<thead>\n<tr>\n<th><span style=\"font-weight: 400;\">Risk Type<\/span><\/th>\n<th><span style=\"font-weight: 400;\">What Does it Mean?<\/span><\/th>\n<th><span style=\"font-weight: 400;\">How Does it Impact You?<\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">Credit Risk<\/span><\/td>\n<td><span style=\"font-weight: 400;\">The issuer may face financial stress or fail to repay on time.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">It can delay or reduce interest payments and affect your capital.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Interest Rate Risk<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Bond prices may fluctuate when market interest rates change.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Your bond\u2019s value can fall if market interest rates increase.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Liquidity Risk<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Some products are harder to exit at fair value.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">You may not be able to withdraw money when you need it.<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Concentration Risk<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Too much money is invested in one issuer or product.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">If that particular issuer faces financial distress, you may face capital losses.\u00a0<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<h2><span class=\"ez-toc-section\" id=\"In_Summary_A_Fixed_Income_Portfolio_in_India_May_Contain_Bonds_FDs_and_Debt_Mutual_Funds\"><\/span><span style=\"font-weight: 400;\">In Summary, A <\/span><span style=\"font-weight: 400;\">Fixed Income Portfolio in India<\/span><span style=\"font-weight: 400;\"> May Contain Bonds, FDs, and Debt Mutual Funds<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">So now you know that to build a strong secondary source of income, you may develop a portfolio that balances safety + yield + liquidity. <\/span><i><span style=\"font-weight: 400;\">But how to achieve this balance?<\/span><\/i><span style=\"font-weight: 400;\"> You may mix different types of instruments (as per your risk appetite), such as, invest in:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Government bonds for a secure base + safety<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Corporate bonds and NCDs to earn competitive returns<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Debt mutual funds for relatively high liquidity<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">If you\u2019re looking for debt products such as bonds and corporate FDs, or want to apply to the latest NCD IPOs, you can <\/span><a href=\"https:\/\/goldenpi.com\/\"><span style=\"font-weight: 400;\">find them on the GoldenPi platform<\/span><\/a><span style=\"font-weight: 400;\">. Here, you can explore a wide range of options and even invest online from the comfort of your home.\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Fixed_Income_Portfolio_in_India_FAQs\"><\/span><span style=\"font-weight: 400;\">Fixed Income Portfolio in India<\/span><span style=\"font-weight: 400;\"> FAQs<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_How_to_develop_a_bond_ladder_in_India\"><\/span><span style=\"font-weight: 400;\">1. How to develop a <\/span><span style=\"font-weight: 400;\">bond ladder in India<\/span><span style=\"font-weight: 400;\">?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">A bond ladder in India can be created by buying bonds with staggered maturities (say 1, 3, 5, 7, and 10 years). Now, as each bond matures, you may reinvest the principal into a new long-term bond. This approach reduces \u201creinvestment risk\u201d by giving you multiple opportunities to invest in a high-interest-rate environment.\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Can_I_get_a_pre-determined_return_from_SWPs_Systematic_Withdrawal_Plans\"><\/span><span style=\"font-weight: 400;\">2. Can I get a pre-determined return from SWPs (Systematic Withdrawal Plans)?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">No! The returns generated by SWPs are market-linked and not based on any coupon\/ interest rate. As an investor, you can withdraw a pre-determined amount from your SWP plan monthly, but remember your returns are entirely dependent on the market performance.\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_What_does_a_sovereign_guarantee_mean\"><\/span><span style=\"font-weight: 400;\">3. What does a sovereign guarantee mean?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">A sovereign guarantee means the Government of India backs the investment. If the issuer cannot repay, the government will step in to repay your principal + interest. This makes such instruments among the \u201csafest\u201d or \u201crisk-free\u201d, as the repayment risk is low.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_How_to_review_credit_ratings_of_corporate_bonds_and_FDs\"><\/span><span style=\"font-weight: 400;\">4. How to review credit ratings of corporate bonds and FDs?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">You may check the ratings issued by reputed agencies, such as CRISIL, ICRA, CARE, or India Ratings. To achieve high safety, you may look for AAA or AA-rated bonds and FDs. Additionally, review the rating report to understand the issuer\u2019s financial strength, debt levels, and cash flow positions before investing.\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Disclaimer\"><\/span><span style=\"font-weight: 400;\">Disclaimer:<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">This information is for general information purposes only. GoldenPi makes no guarantee on the accuracy of the data provided here; the information displayed is subject to change and is provided on an as-is basis. Nothing contained herein is intended to or shall be deemed to be investment advice, implied or otherwise. Investments in the securities market are subject to market risks. Read all the offer-related documents carefully before investing.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Bonds or non-convertible debentures (NCDs) are regulated by the Securities and Exchange Board of India and other government authorities. GoldenPi Securities Private Limited is a registered debt broker and acts as a distributor and not as a manufacturer of the product.<\/span><\/p>\n<p><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"How to develop a bond ladder in India?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A bond ladder in India can be created by buying bonds with staggered maturities (say 1, 3, 5, 7, and 10 years). Now, as each bond matures, you may reinvest the principal into a new long-term bond. 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