A Challenging Case Study · Sarmaaya Skool

A Challenging Case Study

Case Study:

A 50-years-old government employee was earning Rs. 300,000 per month, with monthly household expenses of approximately Rs. 200,000. Due to unavoidable circumstances, he was forced to take early retirement and received a lump-sum retirement benefit of Rs. 15 million (1.5 crore).

Now comes the real challenge.

His monthly expenses remain unchanged at Rs. 200,000, but his regular salary has stopped. What would be the most practical and financially sound strategy to manage this Rs. 15 million so that it can generate sustainable income, preserve capital, and meet his long-term living expenses?

I understand that there is no simple or perfect solution, but I would greatly appreciate your guidance on how you would approach this situation. What asset allocation, investment strategy, or financial plan would you recommend in such a case?

Especially@Sarmaaya Team,

@Laeeq Ahmad

Sir

Thank you in advance for your valuable insights.

13 comments

A Challenging Case Study