प्रश्न 3: इस कोष के साथ 55 वर्ष की आयु में मूल्यांकन लगभग क्या होगा?</p>

Ans: यह मानते हुए कि इन सभी फंडों से 12% वार्षिक रिटर्न मिलेगा, 10 वर्षों में कॉर्पस वैल्यू 1,65,09,853/- होगी।

Ans: गणना साझा करना संभव नहीं है।

आपकी दयालु समझ के लिए धन्यवाद;

Ans: गणना साझा करना संभव नहीं है।

आपकी दयालु समझ के लिए धन्यवाद;

Ans: Hi,

Your current savings/investment of 22L will support your expenses for only a few years at this time.

Today if you wish to retire, you will need over 2 crores in FD earning 7% returns to last for your life expectancy of 70 years.

I recommend you focus on saving and investing across different asset classes to maximize your corpus over time. Different asset classes like equity, debt, gold etc can provide you well diversified option to generate wealth and provide stability and liquidity.

FDs are a safe option but its safety net if not going to cover your whole corpus if the bank fails.

Understand the potential, risk and returns of different asset classes and considering the long time period you have, you can save over the next 10-15 years and then plan retirement once your retirement corpus is accumulated.
Mutual funds are a good option to consider as they cover few asset classes and are easy to manage and track.

The retirement corpus depends on the time period post retirement and the expense you plan to cover from it. Accumulating that corpus also needs a plan and commitment to save/invest on a regular basis.

Thanks & Regards
Janak Patel
Certified Financial Planner.