Arun Kumar, Head of Research, FundsIndia.com, says “one has to build a two-bucket system. The first bucket is 85% of your portfolio. The second bucket will be 15% of your portfolio. Now, let us say you have Rs 100 as the portfolio from which you will have to build this monthly income solution. First, you put Rs 15 into a very safe short-term debt fund. This will be the buffer.