Plan inputs
Income floor — bonds (guaranteed) + reserve interest (variable)
Monthly allocation
Where each month goes
Guaranteed bond income build-up
Bond corpus grows by the monthly purchase; the line is the coupon income it locks in (yield ÷ 12). Dashed line = your income floor.
Month by month
Longevity — how long the family runs
Expense floor — next 5 years
Keep MF + stocks untouched — their growth covers rising school/family costs.
Liquid reserve — flexible, not part of the floor
Variable, not guaranteed, withdraw anytime — sweep-FD or liquid fund with no lock-in.
Summary
Bonds = guaranteed floor · Emergency fund = untouched safety (already held — tracked on the Dashboard, deliberately not part of this plan) · MF + stocks = growth for rising costs & future business capital · Liquid reserve = flexible buffer and gap-filler.
After you quit: bond income is the family floor; MF + stocks stay untouched as your 1–2 year bridge corpus; the liquid reserve is your emergency access.
Pick stocks and a total amount — it splits the money as equally as whole shares allow, guaranteeing every stock at least one share when the amount covers it, at live NSE prices.