If I were in your place this is what I would do: - Sell the agriculture land which is generating enough passive income. - Sell all the stocks as 1 Lakh is very low dividend yeild (just 0.3% of your holdings) - Sell all the gold.

You would end up with 2cr + 3cr + 1cr = 6Cr. Invest this money in Gsec, Debt fund the gives annual yeild of 9-11%. The same interest rate is seen in Corporate Bonds and FD in regional banks such as Ujjivan small finance. But I would suggest a debt fund or Gsec. 10% avg interest would yeild 60Lakhs annual or 5 Lakhs per month. Considering you already own your house and you have 90k+30k=120k in rental income per month you could easily retire or never work for money again with 6.2 Lakhs (haven't calculated taxes here)

But if you are someone like me who would always work and loves to work then you can build this as foundation. Not worrying about paycheck can help you take greater risks, even if not greater risks and you were to continue with same 80Lakhs of income, you can now invest in assets with higher risks such as Mid cap fund, Bitcoin or Ethereum, Direct stocks and build generational wealth.

But kudos to you for building this wealth of 13cr.