40 saal me hona hai Retire? NPS ya Retirement Mutual Fund me se kya chunein - Paisa nikalne ke niyam samjhein

Ab retirement ka matlab 60 saal nahi raha

Pehle 60 saal ki umra ko retirement ka paimana mana jata tha, lekin ab soch badal rahi hai. Aaj ki yuva peedhi sirf naukri karte rehne ke bajaye apne liye bhi waqt nikalna chahti hai. Koi 40 saal ki umra me retire hokar apna karobar shuru karna chahta hai, to koi 50 saal me kaam ka bojh kam karke apni zindagi ka lutf uthana chahta hai.

Lekin iske liye zaroori hai ki aapke paas itni bachat ho ki naukri ya niyamit kamai band hone ke baad bhi kharchon ke liye kisi par nirbhar na rehna pade. Isliye kam umra se hi retirement ki yojana banana aur sahi jagah nivesh karna zaroori hai.

Ab sawal hai ki iske liye NPS yani National Pension System me nivesh karein ya Retirement Mutual Funds me? Kyunki nivesh karna hi kaafi nahi hai, ye jaanna bhi zaroori hai ki zaroorat padne par apna paisa kitni aasani se nikal payenge.

NPS ke niyam kya kehte hain?

Maan lijiye, aapne 25 saal ki umra me retirement ke liye NPS me nivesh shuru kiya tha. Ab 40 saal ki umra me aap naukri chhodkar apna karobar shuru karna chahte hain ya kuch samay ke liye kaam se break lena chahte hain. Aise me sawal uthta hai ki NPS me jama kitni rakam aap nikal sakte hain. Kya aap poora paisa ek saath nikal sakte hain, ya phir kuch hissa pension ke liye rakhna zaroori hoga.

Iska jawab is baat par nirbhar karta hai ki aapne NPS me kitne saal nivesh kiya hai, aapka kul jama paisa kitna hai aur aap kis tarah se nikasi karna chahte hain.

NPS me paisa nikalne ke niyam samajhne ke liye 2 baatein jaanna bahut zaroori hain:

1. 60 saal ki umra

NPS me samanya nikasi ki seema 60 saal rahi hai, halanki maujuda niyamon me niveshakon ko isse pehle bhi nikasi ke vikalp mil sakte hain.

2. 15 saal ka nivesh

Gair-sarkari All Citizen Model me tay shartein poori hone par 15 saal ki membership ke baad, 60 saal se pehle bhi nikasi ka vikalp milta hai.

15 saal se pehle khata band karna - Early Exit

Agar aap gair-sarkari NPS ke All Citizen Model me nivesh kar rahe hain aur 40 saal ki umra me khata band karna chahte hain, to sabse pehle ye dekhna hoga ki nivesh ke 15 saal poore hue hain ya nahi. Agar 15 saal poore nahi hue hain to ye ek Early Exit hai.

Aise mamalon me aam taur par kul jama rakam ka adhiktam 20% ekmusht nikalne aur baaki 80% se pension ke liye annuity khareedne ka niyam lagu hota hai. Halanki corpus 5 lakh rupaye ya isse kam ho, to poori rakam ekmusht nikali ja sakti hai.

15 saal poore hone par kya badal jayega?

Agar aapne NPS me poore 15 saal tak nivesh ko jari rakha, to nikasi ke vikalp badal jate hain. Agar aapka kul jama corpus 8 lakh rupaye tak hai, to aap poori rakam nikal sakte hain.

Magar corpus 8 lakh rupaye se 12 lakh ke beech hai, to aap 6 lakh tak ekmusht rakam nikalne ke hakdar ho jate hain. Baaki rakam ko aap dheere dheere kam se kam 6 saal me nikal sakte hain. Wahin, 12 lakh rupaye se zyada ke corpus me 80% tak rakam ekmusht nikali ja sakti hai, baaki 20% se annuity khareedni hoti hai.

Bina khata band kiye thoda paisa nikalna ho to?

Agar aap NPS khata band nahi karna chahte, balki kisi khaas zaroorat ke liye kuch rakam nikalna chahte hain, to aanshik nikasi ke vikalp maujood hain. Iske tahat khata khulne ke teen saal baad apne yogdan ka adhiktam 25% nikala ja sakta hai. Yaad rahe ki ye kul corpus ka 25% nahi hai.

Ye suvidha bachon ke higher education, unki shaadi, ghar khareedne ya banane, kuch gambheer beemariyon ke ilaj aur karobar shuru karne jaisi pehle se tay zarooraton ke liye milti hai.

Ye suvidha bhi 60 saal se kam umra me keval 4 baar milti hai. Sath hi 2 nikasiyon ke beech kam se kam 4 saal ka antar hona zaroori hai. Matlab agar aapne saal 2026 me bachon ki higher education ke liye paise nikale hain, to agli nikasi ka number 4 saal baad 2030 me aayega.

Isliye 40 saal ki umra me NPS se paisa nikalne ka faisla karne se pehle ye samajhna zaroori hai ki khata band karna aur zaroorat ke liye kuch rakam nikalna alag-alag vikalp hain. Sath hi, 15 saal poore hone se apne aap poori rakam nikalne ka adhikar nahi mil jata.

Retirement Mutual Fund me 40 saal me paisa kaise niklega?

Ab baat karte hain Retirement Focused Mutual Funds ki.

Aam taur par Retirement-Focused Mutual Fund schemes me 5 saal ka lock-in hota hai ya retirement ki tay umra tak, jo pehle ho. Is dauran niveshak apni unit nahi bech sakta.

Maan lijiye, aapne kisi retirement fund me 20 lakh rupaye jama kiye hain. Agar us yojana ka lock-in poora ho chuka hai, to aap uski sharton ke mutabik poori rakam ya uska kuch hissa nikal sakte hain. Iske liye NPS ki tarah rakam ka ek tay hissa annuity me lagana zaroori nahi hai. Aap chahein to paisa nikal sakte hain ya nivesh jari rakh sakte hain.

Lekin lock-in poora hone ka matlab ye nahi ki har scheme me nikasi poori tarah muft hogi. Kuch funds me tay avadhi se pehle nikasi par exit load bhi lag sakta hai. Sath hi, har nivesh ka lock-in alag alag hota hai. Isliye poora fund ek saath lock-in se free nahi hota.

NPS ke mukable Mutual Fund me kya suvidha milti hai?

Mutual Fund ka sabse bada fayda ye hai ki niveshak ko pension ke liye annuity khareedne ki koi majboori nahi hoti hai. Wah apni zaroorat ke hisab se paisa nikal sakta hai aur chahe to Systematic Withdrawal Plan (SWP) ke jariye har mahine rakam lene ki vyavastha kar sakta hai. Halanki, SWP se milne wali rakam ya nivesh par return ki koi guarantee nahi hoti.

Doosri or, NPS me nikasi aur annuity ke niyam lagu hote hain. Isliye jis vyakti ko 40 saal ki umra me apne nivesh par zyada control chahiye, uske liye samanya open-ended mutual fund zyada suvidhajanak ho sakta hai. Magar, ye poori tarah se us vyakti ki zarooraton aur jokhim lene ki kshamta par nirbhar karta hai.

To 40 saal me retire hone wale ko kya karna chahiye?

Agar aapka lakshya 40 saal me retire hona hai, to keval ek option par nirbhar rehne ke bajaye dono ke niyam samajhna samajhdari hogi.

NPS anushasan aur lambi avadhi ki pension soch ke liye kaam aa sakta hai, jabki Mutual Fund me lock-in ke baad paisa nikalne me zyada lachilaapan mil sakta hai. Aapki umra, aapka corpus, aapki monthly zaroorat aur aapka risk appetite - in sabse faisla badal sakta hai.

Isliye koi bhi faisla lene se pehle yojana ka latest offer document, nikasi niyam, lock-in aur tax se jude pravdhan zaroor padhein.

Disclaimer: Yeh lekh keval jankari aur shiksha ke uddeshya se hai. Yeh kisi yojana me nivesh karne ya paisa nikalne ki salah nahi hai. NPS aur Mutual Fund me nivesh se jude jokhim, nikasi ke niyam, lock-in avadhi aur tax sambandhi pravdhan alag-alag ho sakte hain. Nivesh karne ya paisa nikalne se pehle sambandhit yojana ke maujuda niyamon ko dhyan se padhein aur zaroorat padne par kisi yogya vittiya salahkar se paramarsh lein.