Pramod, thanks for reading and for the question. Happy new year to you as well. I wrote an article on this subject a few months back that you may find helpful. Take a look and let me know if you still have questions. https://medium.com/r/?url=https%3A%2F%2Fthemakingofamillionaire.com%2Fthe-best-way-to-generate-passive-income-6faa75550884