Retirement ke liye Rs 5 crore ka target set karna easy hai, par inflation ke bina math incomplete hai. 35 saal ka time horizon ho toh compounding magic dikhati hai, lekin 5 saal ki deri bhi aapke investment ka load double kar sakti hai.
Retirement planning ko log aksar sirf Rs 5 crore jaise ek bade number se jodte hain, lekin asal mein ye math, inflation, aur time ka complicated khel hai. Agar aap 30 ke hain aur 65 par retire hona chahte hain, toh aapke paas 35 saal ka bada time horizon hai. Iska faayda uthakar aap choti SIP se badi wealth bana sakte hain. Agar 10% return mile, toh aapko sirf Rs 13,100 per month invest karne honge. Wahi agar return 12% mil jaye, toh ye amount ghatkar Rs 7,700 reh jata hai.
Procrastination padega mehenga!
Time horizon kam hote hi math bigad jata hai. Agar aap 60 ki umra mein retire hona chahte hain, toh sirf 5 saal kam hone se aapki requirement Rs 13,100 se badhkar Rs 22,000 mahina ho jati hai. Ye compounding ke wo precious saal hain jo aapne ganwa diye.
Inflation se darr lagta hai?
Sabse badi galti log inflation ko ignore karke karte hain. Aaj ke Rs 5 crore ki value 30 saal baad waisi nahi rahegi. Agar 6% inflation maanein, toh aapki purchasing power kaafi kam ho jayegi. Isliye apne retirement corpus ko fix mat rakho, ise time ke saath grow hone do.
Step-Up SIP hai asli weapon
Inflation se ladne ka best tareeka hai Step-Up SIP. Har saal apni investment ko apni salary hike ke saath 5% ya 10% se badhate raho. Isse aapka lifestyle inflation ke saath match karta rahega.
Sahi Portfolio kaise banayein?
Sirf equity mutual funds par depend mat raho. Risk kam karne ke liye apne portfolio mein PPF aur NPS jaise debt instruments bhi add karo. Ye tax efficiency aur stability dete hain. Apni age ke hisaab se asset allocation ko review karte raho taaki retirement ke time par market volatility se dar na lage.