रिटायरमेंट प्लानिंग के 7 गोल्डन रूल्स जो हर किसी को जानना चाहिए

21 August 2025 21 August 2025 Image Credit: Canva

1. जल्दी शुरुआत करें

[{"selector":"#anim-72a3cbdb-0571-419f-9071-47911195caa6 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(0%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-977f62e1-fcb6-4ba1-ac9e-e28191b66bf7","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a486f6b6-01de-4380-a35c-411a37e44a6c","keyframes":{"transform":["translate3d(0px, 83.38407%, 0)","translate3d(0px, 0px, 0)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-78c78efc-fd23-41bb-aef5-0157f7d202d0","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c51f5239-b00e-4e06-a6ea-4542cd9b0a04","keyframes":{"transform":["rotate(-360deg) translate3d(125%, 0px, 0) rotate(360deg)","rotate(-360deg) translate3d(0px, 0px, 0) rotate(360deg)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e5a2811a-8ba5-42c7-adad-e00f54248e7c","keyframes":{"transform":["translate3d(123.99999%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-bd543e40-da06-4d5a-a905-c994c45abe67","keyframes":{"transform":["rotateZ(180deg)","rotateZ(0deg)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] कंपाउंडिंग का पूरा फायदा उठाने और ब्याज का पूरा लाभ उठाने के लिए अपने 20 या 30 की उम्र में रिटायरमेंट के लिए निवेश करना शुरू करें। आप जितनी जल्दी शुरुआत करेंगे, आपका पैसा उतना ही बढ़ेगा और रिटायरमेंट में बड़ा कॉर्पस होगा। White Frame Corner Image Credit: Canva

2. डायवरसिफिकेशन रखें

[{"selector":"#anim-06621ffb-5fdd-48c2-a530-bb6cfc792b44 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(0%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-923dfdee-fc7b-409b-b66e-05f9c10119b5","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-274ef207-e99b-4ffd-a592-3c731ea33fa6","keyframes":{"transform":["translate3d(0px, 82.6306%, 0)","translate3d(0px, 0px, 0)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2273c6a2-f2d8-4f60-8a0a-1f8bc9374cc7","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c32af1bc-cb8d-455a-a995-37e179bb6cca","keyframes":{"transform":["rotate(-360deg) translate3d(124.63769%, 0px, 0) rotate(360deg)","rotate(-360deg) translate3d(0px, 0px, 0) rotate(360deg)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9f78ba44-f39a-4f86-864a-cf9517d4689e","keyframes":{"transform":["translate3d(123.99999%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-57d6e98a-cc2c-472a-895e-a842d7d529b3","keyframes":{"transform":["rotateZ(180deg)","rotateZ(0deg)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] सिर्फ एक ही प्रकार के निवेश पर निर्भर न रहें। हाई रिटर्न के लिए इक्विटी, स्थिरता के लिए डेट और लॉन्ग टर्म रियारमेंट सिक्योरिटी के लिए NPS या EPF जैसे ऑप्शन में अपना निवेश रखें। White Frame Corner Image Credit: Canva

3. जैसे-जैसे आपकी कमाई बढ़ती है, बचत बढ़ाएं

[{"selector":"#anim-64b89744-a3ca-44b1-87d0-5e85c071cb3a [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(0%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-c4421c08-630d-4335-883c-3f8720dc8376","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d588b6e6-7b27-46ec-b967-2b1d902e1a8d","keyframes":{"transform":["translate3d(0px, 79.38306%, 0)","translate3d(0px, 0px, 0)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-de280dc0-db93-4d20-827e-18ba8962599b","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-55764d05-cf81-4a8a-b1ad-759efd31e924","keyframes":{"transform":["rotate(-360deg) translate3d(125%, 0px, 0) rotate(360deg)","rotate(-360deg) translate3d(0px, 0px, 0) rotate(360deg)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4d95a486-3b3d-40fa-8517-c16640e8a6a6","keyframes":{"transform":["translate3d(123.99999%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-e7e57f13-9a62-4cd2-b798-7db9d468928f","keyframes":{"transform":["rotateZ(180deg)","rotateZ(0deg)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] हर वेतन वृद्धि के साथ, अपने SIP या रिटायरमेंट योगदान को बढ़ाएं। इससे आपको महंगाई से आगे रहने में मदद मिलेगी। White Frame Corner Image Credit: Canva

4. रिटायरमेंट फंड को जल्दी न निकालें

[{"selector":"#anim-21f31a8c-822f-4418-8814-4dc4bcdb02dc [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(0%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-e503ac2c-09d7-4793-89d3-2f5ab654148d","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-56e00efc-756e-4e80-85f0-449f96a7f711","keyframes":{"transform":["translate3d(0px, 79.95104%, 0)","translate3d(0px, 0px, 0)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d24e7a98-e9b8-451c-8f97-e49566f66729","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-3b0916ba-9181-4d49-94a3-8419be6f9dab","keyframes":{"transform":["rotate(-360deg) translate3d(128.62319%, 0px, 0) rotate(360deg)","rotate(-360deg) translate3d(0px, 0px, 0) rotate(360deg)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-371eb7b4-d90a-4a6d-a9c7-c14c9ac8261a","keyframes":{"transform":["translate3d(123.99999%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-49d53375-6ebf-4025-ad34-77d78f54971f","keyframes":{"transform":["rotateZ(180deg)","rotateZ(0deg)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] शॉर्ट टर्म जरूरतों के लिए EPF, NPS या पेंशन फंड से पैसे निकालने से बचें। हर बार जल्दी निकासी आपके लक्ष्य में देरी कर सकती है। White Frame Corner Image Credit: Canva

5. महंगाई और लंबी उम्र के लिए प्लान करें

[{"selector":"#anim-9f76138f-00d3-4cbf-9706-fec5a5afb78a [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(0%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-8b27355d-86f6-48f0-b40e-02f454bb4fc1","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-595f5651-ffd6-4fb7-a57f-4bfd2d47cea3","keyframes":{"transform":["translate3d(0px, 82.20592%, 0)","translate3d(0px, 0px, 0)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4b5acba0-0695-4177-afa7-461393c76fed","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d804a272-977e-4f97-952a-8aebe47de2af","keyframes":{"transform":["rotate(-360deg) translate3d(128.62319%, 0px, 0) rotate(360deg)","rotate(-360deg) translate3d(0px, 0px, 0) rotate(360deg)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1aa79e7b-a224-4562-acc4-09aaed568eeb","keyframes":{"transform":["translate3d(123.99999%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-6b0c767b-cf00-4d45-ab5f-50b9a88b3380","keyframes":{"transform":["rotateZ(180deg)","rotateZ(0deg)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] आपको 25-30 साल की लंबी रिटायरमेंट के लिए तैयार रहना चाहिए। इस दौरान आपके खर्चे, खासकर मेडिकल खर्चे, बढ़ सकते हैं। इसलिए, ऐसी योजना बनाएँ जिससे आपकी बचत महंगाई से ज़्यादा बढ़े। White Frame Corner Image Credit: Canva

6. निरंतर प्रयास करते रहें, बार-बार रिव्यू करें

[{"selector":"#anim-71659e5f-572b-46ae-9111-21ce9049d774 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(0%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-509362d9-7182-4786-875b-2d711617d3da","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-68d35239-d28d-4fae-9474-3d3b4abd2ad7","keyframes":{"transform":["translate3d(0px, 80.11536%, 0)","translate3d(0px, 0px, 0)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9177f4f0-30fb-4dcc-ba12-5035c8fffe9a","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-bb38b13d-8410-4581-bdd4-79de6ef60279","keyframes":{"transform":["rotate(-360deg) translate3d(125%, 0px, 0) rotate(360deg)","rotate(-360deg) translate3d(0px, 0px, 0) rotate(360deg)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-fbc7a072-1d16-4cb6-8391-8275266393c1","keyframes":{"transform":["translate3d(123.99999%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-8369b2e5-d009-477e-a2c3-a170bdd37d17","keyframes":{"transform":["rotateZ(180deg)","rotateZ(0deg)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] रिटायरमेंट प्लानिंग को अपनी आदत बनाएं। साल में एक बार अपने पोर्टफोलियो को रिव्यू करें और जरूरत पड़ने पर बदलाव करें। White Frame Corner Image Credit: Canva

7. जरूरत पड़ने पर पेशेवर की सलाह लें

[{"selector":"#anim-4ea30683-d7ac-40b8-9e55-db6f48796cdc [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(0%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-3284f26d-1824-4210-9aa4-70d9a0e4b759","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-3d013df0-cdfd-45cc-80fc-57494fc61e53","keyframes":{"transform":["translate3d(0px, 80.11536%, 0)","translate3d(0px, 0px, 0)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c4872794-a5c7-4079-afb9-10f1c51ffb51","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0428c759-7ff9-4880-98ac-d2d625f37b71","keyframes":{"transform":["rotate(-360deg) translate3d(124.63769%, 0px, 0) rotate(360deg)","rotate(-360deg) translate3d(0px, 0px, 0) rotate(360deg)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-76cbe746-fd53-42c0-9bd1-69481942d716","keyframes":{"transform":["translate3d(123.99999%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-cc619307-6709-4198-a1a8-09db124ada15","keyframes":{"transform":["rotateZ(180deg)","rotateZ(0deg)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] अगर आप इस बारे में नहीं जानते हैं कि कहां निवेश करें या कितनी बचत करें, तो किसी वित्तीय सलाहकार से बात करें। White Frame Corner Image Credit: Canva

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