Kya aapko pata hai ki aapka kharcha kitne saalon mein double ho jayega? 'Rule of 70' ek basic formula hai jo inflation ki asliyat dikhata hai. Agar sirf bank FD mein paise daal rahe ho, toh retirement ke liye bada gap aa sakta hai.
Bahut se log retirement plan karte waqt ye bhool jaate hain ki aaj jo ₹50,000 mein ghar chal raha hai, wo hamesha itna hi nahi rahega. 'Rule of 70' ek simple trick hai—bas 70 ko annual inflation rate se divide karo, aur aapko pata chal jayega ki aapka kharcha kitne saalon mein double hoga.
India mein inflation ka asli sach
India mein agar hum 6% ka average inflation pakadte hain, toh aapka lifestyle expense har 11 se 12 saal mein double ho raha hai. Iska matlab ye hai ki jo aaj ₹50,000 hai, wo 24 saal baad ₹2 lakh ke barabar ho jayega. Agar aap 30 ke hain aur 60 ki age mein retire hona chahte hain, toh ye inflation aapke corpus ka sabse bada dushman hai.
FD ka trap
Log 'safe' khelne ke chakkar mein saara paisa sirf FD ya savings account mein daal dete hain. Problem ye hai ki 6% ka return agar tax katne ke baad dekho, toh wo inflation se bhi kam hota hai. Real terms mein, aapka paisa badhne ki jagah ghat raha hota hai.
Solution kya hai?
Sirf debt instruments par depend rehna band karo. Apne portfolio mein growth-oriented assets jaise ki Equities ya Diversified Mutual Funds ko jagah do. Retirement planning sirf ek baar ka kaam nahi hai—apni income badhne ke saath investment bhi badhao aur saal mein ek baar check karo ki kya aapka corpus badhte hue kharchon ko beat kar paa raha hai ya nahi. Healthcare aur education inflation ko kabhi ignore mat karna, kyunki inka rate general inflation se hamesha zyada rehta hai.