Tees ki umar me aksar log sochte hain ki budhapa abhi bahut door hai, retirement ki chinta baad me karenge. Lekin vittiya yojana ke visheshagya ek swar me kehte hain ki retirement ki taiyaari jitni jaldi shuru ho, utni hi asaan hoti hai. Tees ki umar iski shuruaat ke liye sabse behtareen samay hai. Aaiye samajhte hain kyun.
Jaldi shuruaat ka sabse bada fayda
Iska sabse bada kaaran hai samay ka jaadu, jise chakravriddhi ya compounding kehte hain. Aapke nivesh par jo laabh milta hai, us laabh par bhi aage laabh milta hai, aur lambe samay me ye prabhav bahut bada ho jata hai. Udaaharan ke taur par tees ki umra me shuru kiya gaya niyamit nivesh, pachaas ki umra me shuru kiye gaye usi nivesh se kahin zyada bada kosh bana sakta hai, kyunki pehle wale ko badhne ke liye bees saal zyada mile. Isliye der karna matlab apne bhavishya ke paison ko kam karna hai.
Kitna nivesh karna chahiye
Iska koi ek jawab sab par lagu nahi hota, lekin ek aam niyam hai ki apni aamdani ka kam se kam 15 se 20 pratishat lambe samay ke lakshyon, jinme retirement pramukh hai, ke liye nikalna chahiye. Pehle apne vartamaan kharchon ka andaza lagayein, phir sochein ki retirement ke baad jeevan star banaye rakhne ke liye mahine me kitna chahiye hoga. Mahangai ko dhyaan me rakhna na bhoolein, kyunki aaj ke ek lakh rupaye bees saal baad utne keemti nahi rahenge.
Nivesh ke vikalp kaun se hain
Retirement ke liye lambe samay ka nivesh sabse upyukt mana jata hai. Sarkari yojnaon jaise PPF aur NPS me surakshit nivesh kiya ja sakta hai, jahan NPS vishesh roop se retirement ke liye banaya gaya hai. Iske alawa equity mutual funds me SIP ke madhyam se lambe samay ka nivesh bhi lokpriya vikalp hai, lekin isme bazaar ka jokhim hota hai isliye apni jokhim lene ki kshamta samajhkar hi chunav karein. Apne nivesh ko alag-alag vikalpon me baantna samajhdaari hoti hai taaki saara jokhim ek jagah na ho.
In aam galtiyon se bachein
Pehli galti hai retirement ke paison ko beech me nikaal lena, isse compounding ka silsila toot jata hai. Dusri galti hai sirf bank khate ya FD par nirbhar rehna, jahan laabh aksar mahangai se kam hota hai. Teesri galti hai yojana banakar use bhool jana, har saal apne nivesh ki sameeksha karein aur aamdani badhne par nivesh ki rakam bhi badhayein. Yaad rakhein, aaj ki chhoti samajhdaari kal ka bada aaraam ban sakti hai.
