1 लाख रुपए महीने की चाहिए पेंशन, तो कितना करें निवेश?

Aishwarya Awasthi May 20,2024

रिटायरमेंट की प्लानिंग शुरू से ही करना समझदारी होती है.

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जवानी में ही समय रहते बुढ़ापे के लिए कुछ पैसा बचाएं.

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इस काम में आपकी नेशनल पेंशन स्कीम मददगार है.

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आप थोड़ा-थोड़ा निवेश करके मोटा रिटायरमेंट फंड जमा कर सकते हैं.

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बुढ़ापे में हेल्थ से लेकर रोजमर्रा की जरूरतों के लिए 1 लाख रुपए महीने चाहिए होते हैं.

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SBI पेंशन फंड के NPS Calculator में आप इसके लिए निवेश करें.

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60 के बाद 1 लाख रुपए महीने की पेंशन के लिए 21 की उम्र से ही 10,000 का निवेश करें.

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इससे 60 की उम्र तक NPS में टोटल कॉन्ट्रीब्यूशन ₹46.80 लाख हो जाएगा.

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इस पर करीब 10% अनुमानित रिटर्न भी मिलेगा.

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करीब 39 साल के निवेश के बाद मैच्योरिटी पर निवेश की वैल्यू ₹5.62 करोड़ होगी.

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साथ ही कम से कम 40% एन्युटी परचेज करना अनिवार्य है.

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आपकी एन्युटी अमाउंट ₹2.25 करोड़ होगी.

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इस पर 60 साल के बाद 6% की दर से हर माह ₹1,12,458 रुपए की पेंशन मिलेगी.

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आप SBI Yono App से भी NPS अकाउंट खोल सकते हैं.

[{"selector":"#anim-4b177b8d-d0ef-478e-ad58-a13898f60622","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-32264b67-31db-402a-9421-5dbd0714b9ec","keyframes":{"transform":["translate3d(0px, 257.07600%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

इसमें केंद्रीय कर्मचारी से लेकरप्राइवेट सेक्‍टर के कर्मचारी और आम नागरिक भी निवेश कर सकते हैं.

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Next: 7 पौधे: बिना धूप के भी हरे-भरे रहेंगे ये प्लांट्स

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