7 Investment Options For Portfolio Diversification Post-Retirement

Outlook Money

Short-Term Debt Mutual Funds

Short-term debt mutual funds have a maturity of one to three years. They invest in debt assets like corporate bonds, government securities, securitised debt, and derivatives.

Mutual Funds

Real Estate Investment Trust (REIT)

Senior citizens can earn regular passive income from their investments, as REITs distribute 90 per cent of their income as dividends to unitholders.

Real Estate Investment Trust


Gold is another good option to diversify your portfolio as it is highly liquid. You can invest gold bars, coins, jewellery, digital gold, Sovereign Gold Bonds (SGBs), etc.


Post Office Monthly Income Account (POMIS)

The POMIS scheme has a five-year lock-in and provides interest income. It currently provides a 7.40 per cent interest.


Senior Citizens Savings Scheme (SCSS)

SCSS is a government-sponsored scheme for senior citizens to reinvest their retirement corpus after 60 and earn interest income.


Post Office Recurring Deposits (RD)

Post Office Recurring Deposits are short-term investment instruments, offering 6.8% annual interest.

Post Office Recurring Deposit

Post Office Time Deposits

Post Office Time Deposit scheme has a maturity of 1-5 years. The interest rates vary from 6.9-7.5%.

Compiled By Himani Verma

Time deposits

7 Things To Know About Post Office Monthly Income Scheme