The 3-Bucket Strategy
How to generate a safe monthly income for 30+ years without fearing market crashes. Divide your wealth into Time Buckets.
₹1.00 Cr
₹50,000
Safety Bucket
Years 1-3 (Immediate)
₹18.00 L
Park in Savings / Liquid Funds.
Stability Bucket
Years 4-10 (Income)
₹42.00 L
Park in Debt Funds / Bonds.
Wealth Bucket
Years 10+ (Growth)
₹40.00 L
Park in Index / Flexicap Funds.
✅ You are Safe
Excellent. You have 10 years of expenses (₹60.00 L) fully secured in safe assets. You can let your Wealth Bucket grow without worrying about market crashes.
Strategy Guide
The Core Concept
Typical retirement mistakes usually involve being too conservative (100% FD) or too aggressive (100% Stocks).
The Bucket Strategy solves this by matching assets to time horizons. You don't need *all* your money today. You only need this month's expenses. So why keep 30 years of money in a low-return Savings Account?
How it Protects You
- ✓Recession Proof: If the market crashes by 50%, you don't panic. You have 10 years of income safe in Buckets 1 & 2.
- ✓Inflation Proof: Bucket 3 stays invested in Equity. Over 10 years, it grows to beat inflation and refill the other buckets.