Budhape Ki Lathi: National Pension System
Retirement ke time ek lump sum amount aur monthly pension ki zarurat sabko hoti hai. NPS tax bachane ke sath-sath long term wealth banata hai.
Real Example: Sharma Uncle Ki Pension
Sharma ji ne 30 ki age se NPS mein ₹5,000 per month daalne shuru kiye. Hamare calculator ne unhe dikhaya ki 60 ki age tak unke paas ₹1.5 crore ka corpus hoga aur ₹75,000 per month pension aayegi.
Retirement Kaise Calculate Karein?
Apni current age, monthly contribution, aur expected return (jaise 10%) daalein.
Practical Tips
NPS mein ₹50,000 ka extra tax benefit milta hai section 80CCD(1B) ke tahat.
FAQs
1. Equity aur Debt ka proportion kya rakhna chahiye?
Young age me Equity (Auto choice) jyada rakhna faaydemand hota hai.
2. Kitna amount nikal sakte hain retirement par?
60% amount lumpsum nikal sakte hain, bacha 40% annuity me jata hai.
3. Kya pension par tax lagta hai?
Haan, monthly pension aapki income me add hoti hai aur tax lagta hai.