रिटायरमेंट की प्लानिंग से पहले तुरंत करें ये काम!

Aishwarya Awasthi May 21,2024

लाइफ इंजॉय करने के साथ-साथ बचत और निवेश करना जरूरी है.

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कई बार हम आने वाले कल के लिए निवेश नहीं करता हैं.

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ऐसे में सवाल है कि 40 के पार पैसा कहां से आएगा.

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अगर आप रिटायरमेंट लेने वाले हैं तो सही प्लानिंग जरूरी है.

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आपके लिए नेशनल पेंशन स्कीम NPS में पैसा डालना बेस्ट है.

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NPS स्कीम में लगातार 20-30 साल तक निवेश कर सकते हैं.

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ऐसा करने से 50,000 रुपये से ज्यादा की मंथली पेंशन पा सकते हैं.

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NPS में 18-70 साल तक की उम्र का कोई भी इसमें निवेश कर सकेगा.

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60 की उम्र या मैच्योरिटी पीरियड तक कॉन्ट्रीब्यूट करना होगा.

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40 के करीब होने पर हर महीने NPS में 15,000 रुपये का निवेश करें.

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अगर ऐसा करते हैं तो 20 साल में 36 लाख रुपए होगा.

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इस निवेश पर सालाना 8% की दर से भी अनुमानित रिटर्न मिलता है.

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NPS का 40% एन्युटी में निवेश करते हैं 8% के अनुमानित रेट से पेंशन वेल्थ 35.58, जिसकी लंप सम वैल्यू 53.36 लाख रुपए होगी.

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इस हिसाब से आपकी मासिक पेंशन 23,718 रुपए बनेगी.

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आप लंप सम वैल्यू से 13 लाख इमरजेंसी फंड प्लान करें.

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और बाकी 40 लाख का SWP प्लान कर सकते हैं.

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