{"id":3084,"date":"2025-08-21T12:57:21","date_gmt":"2025-08-21T07:27:21","guid":{"rendered":"https:\/\/paisaforever.com\/hin\/?p=3084"},"modified":"2025-08-21T12:57:21","modified_gmt":"2025-08-21T07:27:21","slug":"senior-citizens-financial-planning-retirement","status":"publish","type":"post","link":"https:\/\/paisaforever.com\/hin\/senior-citizens-financial-planning-retirement\/","title":{"rendered":"\u0938\u0940\u0928\u093f\u092f\u0930 \u0938\u093f\u091f\u0940\u091c\u093c\u0928\u094d\u0938 \u0915\u0948\u0938\u0947 \u092c\u0928\u093e\u090f\u0902 \u0916\u0941\u0936\u0939\u093e\u0932 \u092b\u093e\u0907\u0928\u0947\u0902\u0936\u093f\u092f\u0932 \u0932\u093e\u0907\u092b"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">\u0930\u093f\u091f\u093e\u092f\u0930\u092e\u0947\u0902\u091f \u0915\u094b \u0905\u0915\u094d\u0938\u0930 \u0932\u094b\u0917 <\/span><i><span style=\"font-weight: 400;\">\u201c\u0915\u092e\u093e\u0908 \u0915\u093e \u0905\u0902\u0924\u201d<\/span><\/i><span style=\"font-weight: 400;\"> \u092e\u093e\u0928\u0924\u0947 \u0939\u0948\u0902, \u0932\u0947\u0915\u093f\u0928 \u0938\u091a \u092e\u0947\u0902 \u092f\u0939 <\/span><i><span style=\"font-weight: 400;\">\u201c\u0928\u0908 \u0936\u0941\u0930\u0941\u0906\u0924\u201d<\/span><\/i><span style=\"font-weight: 400;\"> \u0939\u094b \u0938\u0915\u0924\u0940 \u0939\u0948\u0964 \u0905\u092c \u0906\u092a\u0915\u094b \u0930\u094b\u091c\u093c-\u0930\u094b\u091c\u093c \u0911\u092b\u093f\u0938 \u0928\u0939\u0940\u0902 \u091c\u093e\u0928\u093e, \u091f\u093e\u0907\u092e \u0939\u0948 \u0905\u092a\u0928\u0947 \u0936\u094c\u0915 \u092a\u0942\u0930\u0947 \u0915\u0930\u0928\u0947 \u0915\u093e, \u092a\u0930\u093f\u0935\u093e\u0930 \u0915\u0947 \u0938\u093e\u0925 \u0935\u0915\u094d\u0924 \u092c\u093f\u0924\u093e\u0928\u0947 \u0915\u093e \u0914\u0930 \u091c\u093f\u0902\u0926\u0917\u0940 \u0915\u094b \u0906\u0930\u093e\u092e \u0938\u0947 \u091c\u0940\u0928\u0947 \u0915\u093e\u0964 \u0932\u0947\u0915\u093f\u0928 \u092f\u0939 \u0924\u092d\u0940 \u0938\u0902\u092d\u0935 \u0939\u0948, \u091c\u092c \u0906\u092a\u0915\u0947 \u092a\u0948\u0938\u094b\u0902 \u0915\u0940 \u092a\u094d\u0932\u093e\u0928\u093f\u0902\u0917 \u0938\u0939\u0940 \u0939\u094b\u0964<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u092d\u093e\u0930\u0924 \u092e\u0947\u0902 \u092e\u0939\u0902\u0917\u093e\u0908, \u092c\u0922\u093c\u0924\u0947 \u092e\u0947\u0921\u093f\u0915\u0932 \u0916\u0930\u094d\u091a \u0914\u0930 \u0932\u0902\u092c\u0940 \u0909\u092e\u094d\u0930 \u0915\u0947 \u091a\u0932\u0924\u0947 \u0938\u093f\u0930\u094d\u092b \u092c\u091a\u0924 \u0915\u0930 \u0932\u0947\u0928\u093e \u0915\u093e\u092b\u0940 \u0928\u0939\u0940\u0902 \u0939\u0948\u0964 \u090f\u0915 \u0938\u094d\u092e\u093e\u0930\u094d\u091f \u092b\u093e\u0907\u0928\u0947\u0902\u0936\u093f\u092f\u0932 \u0938\u094d\u091f\u094d\u0930\u0947\u091f\u0947\u091c\u0940 \u0915\u0940 \u091c\u0930\u0942\u0930\u0924 \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u0906\u092a\u0915\u0940 \u0930\u093f\u091f\u093e\u092f\u0930\u092e\u0947\u0902\u091f \u0915\u0949\u0930\u094d\u092a\u0938 \u0928 \u0938\u093f\u0930\u094d\u092b \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0930\u0939\u0947 \u092c\u0932\u094d\u0915\u093f \u0932\u0917\u093e\u0924\u093e\u0930 \u092c\u0922\u093c\u0924\u0940 \u092d\u0940 \u0930\u0939\u0947\u0964<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u0907\u0938 \u0932\u0947\u0916 \u092e\u0947\u0902 \u0939\u092e \u0938\u092e\u091d\u0947\u0902\u0917\u0947 \u0915\u093f \u0915\u0948\u0938\u0947 \u0938\u0940\u0928\u093f\u092f\u0930 \u0938\u093f\u091f\u0940\u091c\u093c\u0928\u094d\u0938 \u0905\u092a\u0928\u0940 \u092b\u093e\u0907\u0928\u0947\u0902\u0936\u093f\u092f\u0932 \u0932\u093e\u0907\u092b \u0915\u094b <\/span><i><span style=\"font-weight: 400;\">\u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0914\u0930 \u0916\u0941\u0936\u0939\u093e\u0932<\/span><\/i><span style=\"font-weight: 400;\"> \u092c\u0928\u093e \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u2014\u0935\u094b \u092d\u0940 \u092d\u093e\u0930\u0924\u0940\u092f \u092a\u0930\u093f\u0938\u094d\u0925\u093f\u0924\u093f\u092f\u094b\u0902 \u0915\u094b \u0927\u094d\u092f\u093e\u0928 \u092e\u0947\u0902 \u0930\u0916\u0915\u0930\u0964<\/span><\/p>\n<h2><b>\u0930\u093f\u091f\u093e\u092f\u0930\u092e\u0947\u0902\u091f \u092a\u094d\u0932\u093e\u0928\u093f\u0902\u0917 \u0915\u0940 \u0928\u0940\u0902\u0935 \u2013 \u092a\u0948\u0938\u094b\u0902 \u0915\u093e \u0928\u0915\u094d\u0936\u093e \u092c\u0928\u093e\u090f\u0902<\/b><\/h2>\n<h3><b>1. \u0905\u092a\u0928\u0940 \u0938\u0902\u092a\u0924\u094d\u0924\u093f \u0914\u0930 \u0906\u092f \u0915\u0947 \u0938\u094d\u0930\u094b\u0924 \u0932\u093f\u0938\u094d\u091f \u0915\u0930\u0947\u0902<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">\u0938\u092c\u0938\u0947 \u092a\u0939\u0932\u093e \u0915\u0926\u092e \u0939\u0948 <\/span><i><span style=\"font-weight: 400;\">\u0938\u094d\u092a\u0937\u094d\u091f \u0924\u0938\u094d\u0935\u0940\u0930 \u092c\u0928\u093e\u0928\u093e<\/span><\/i><span style=\"font-weight: 400;\">\u0964<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0915\u094c\u0928-\u0915\u094c\u0928 \u0938\u0940 \u0938\u0947\u0935\u093f\u0902\u0917\u094d\u0938 \u0939\u0948\u0902: \u092c\u0948\u0902\u0915 \u090f\u092b\u0921\u0940, \u092a\u0940\u092a\u0940\u090f\u092b, \u0936\u0947\u092f\u0930, \u092e\u094d\u092f\u0942\u091a\u0941\u0905\u0932 \u092b\u0902\u0921, \u0930\u093f\u092f\u0932 \u090f\u0938\u094d\u091f\u0947\u091f\u0964<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0915\u0939\u093e\u0902 \u0938\u0947 \u0928\u093f\u092f\u092e\u093f\u0924 \u0906\u092f \u0906 \u0930\u0939\u0940 \u0939\u0948: \u092a\u0947\u0902\u0936\u0928, EPF, \u0915\u093f\u0930\u093e\u092f\u093e, \u092c\u094d\u092f\u093e\u091c \u092f\u093e \u0921\u093f\u0935\u093f\u0921\u0947\u0902\u0921\u0964<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\"> \u092e\u093e\u0928 \u0932\u0940\u091c\u093f\u090f \u0906\u092a\u0915\u0947 \u092a\u093e\u0938 \u20b950 \u0932\u093e\u0916 \u0915\u093e \u0930\u093f\u091f\u093e\u092f\u0930\u092e\u0947\u0902\u091f \u0915\u0949\u0930\u094d\u092a\u0938 \u0939\u0948 \u0914\u0930 \u0939\u0930 \u092e\u0939\u0940\u0928\u0947 \u20b925,000 \u092a\u0947\u0902\u0936\u0928 \u092e\u093f\u0932 \u0930\u0939\u0940 \u0939\u0948\u0964 \u0907\u0938\u0915\u093e \u092e\u0924\u0932\u092c \u0939\u0948 \u0915\u093f \u0906\u092a\u0915\u0947 \u092a\u093e\u0938 \u0938\u093e\u0932\u093e\u0928\u093e \u20b93 \u0932\u093e\u0916 \u092a\u0947\u0902\u0936\u0928 + \u0928\u093f\u0935\u0947\u0936 \u0938\u0947 \u0905\u0924\u093f\u0930\u093f\u0915\u094d\u0924 \u0930\u093f\u091f\u0930\u094d\u0928 = \u0915\u0941\u0932 \u0915\u0948\u0936\u092b\u094d\u0932\u094b \u0939\u0948\u0964 \u0905\u0917\u0930 \u092f\u0939 \u0938\u0939\u0940 \u0922\u0902\u0917 \u0938\u0947 \u091f\u094d\u0930\u0948\u0915 \u0914\u0930 \u0930\u093f\u0915\u0949\u0930\u094d\u0921 \u0915\u093f\u092f\u093e \u091c\u093e\u090f \u0924\u094b \u0916\u0930\u094d\u091a \u0914\u0930 \u092c\u091a\u0924 \u0915\u093e \u092e\u0948\u092a \u092c\u0928\u093e\u0928\u093e \u0906\u0938\u093e\u0928 \u0939\u094b \u091c\u093e\u0924\u093e \u0939\u0948\u0964<\/span><\/p>\n<h3><b>2. \u092d\u093e\u0930\u0924 \u0915\u0947 \u0938\u0940\u0928\u093f\u092f\u0930-\u092b\u094d\u0930\u0947\u0902\u0921\u0932\u0940 \u0928\u093f\u0935\u0947\u0936 \u0935\u093f\u0915\u0932\u094d\u092a<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">\u092d\u093e\u0930\u0924 \u0938\u0930\u0915\u093e\u0930 \u0914\u0930 \u092a\u094b\u0938\u094d\u091f \u0911\u092b\u093f\u0938 \u0915\u0908 \u0938\u094d\u0915\u0940\u092e\u0947\u0902 \u0916\u093e\u0938\u0924\u094c\u0930 \u0938\u0947 \u0938\u0940\u0928\u093f\u092f\u0930 \u0938\u093f\u091f\u0940\u091c\u093c\u0928\u094d\u0938 \u0915\u0947 \u0932\u093f\u090f \u0911\u092b\u0930 \u0915\u0930\u0924\u0940 \u0939\u0948\u0902\u0964<\/span><\/p>\n<table style=\"border-collapse: collapse; width: 100%; font-family: Arial, sans-serif;\" border=\"1\" cellspacing=\"0\" cellpadding=\"8\">\n<thead style=\"background: #f4f6f8;\">\n<tr>\n<th style=\"text-align: left;\">\u0938\u094d\u0915\u0940\u092e<\/th>\n<th style=\"text-align: left;\">\u092c\u094d\u092f\u093e\u091c \u0926\u0930 (\u0938\u0902\u0915\u0947\u0924\u093e\u0924\u094d\u092e\u0915)<\/th>\n<th style=\"text-align: left;\">\u0932\u0949\u0915-\u0907\u0928<\/th>\n<th style=\"text-align: left;\">\u091f\u0948\u0915\u094d\u0938 \u0938\u094d\u091f\u0947\u091f\u0938<\/th>\n<th style=\"text-align: left;\">\u0915\u093f\u0938\u0915\u0947 \u0932\u093f\u090f \u0909\u092a\u092f\u0941\u0915\u094d\u0924<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>SCSS (<a href=\"https:\/\/www.myscheme.gov.in\/schemes\/scss\" target=\"_blank\" rel=\"noopener\">Senior Citizen Savings Scheme<\/a>)<\/td>\n<td>~8.2%*<\/td>\n<td>5 \u0938\u093e\u0932<\/td>\n<td>\u092c\u094d\u092f\u093e\u091c \u091f\u0948\u0915\u094d\u0938\u0947\u092c\u0932; \u0928\u093f\u0935\u0947\u0936 80C \u0915\u0947 \u0924\u0939\u0924 \u092f\u094b\u0917\u094d\u092f<\/td>\n<td>\u0938\u094d\u0925\u093f\u0930 \u0906\u092f \u091a\u093e\u0939\u0928\u0947 \u0935\u093e\u0932\u0947 \u0938\u0940\u0928\u093f\u092f\u0930\u094d\u0938<\/td>\n<\/tr>\n<tr>\n<td>POMIS (<a href=\"https:\/\/www.indiapost.gov.in\/banking-services\/saving\" target=\"_blank\" rel=\"noopener\">Post Office Monthly Income Scheme<\/a>)<\/td>\n<td>~7.4%*<\/td>\n<td>5 \u0938\u093e\u0932<\/td>\n<td>\u092c\u094d\u092f\u093e\u091c \u091f\u0948\u0915\u094d\u0938\u0947\u092c\u0932<\/td>\n<td>\u0928\u093f\u092f\u092e\u093f\u0924 \u092e\u093e\u0938\u093f\u0915 \u0906\u092f \u091a\u093e\u0939\u0928\u0947 \u0935\u093e\u0932\u0947<\/td>\n<\/tr>\n<tr>\n<td>PPF (Public Provident Fund)<\/td>\n<td>~7.1%*<\/td>\n<td>15 \u0938\u093e\u0932 (\u0906\u0902\u0936\u093f\u0915 \u0928\u093f\u0915\u093e\u0938\u0940 \u0938\u0902\u092d\u0935)<\/td>\n<td>\u092a\u0942\u0930\u0940 \u0924\u0930\u0939 \u091f\u0948\u0915\u094d\u0938-\u092b\u094d\u0930\u0940 \u092c\u094d\u092f\u093e\u091c (EEE)<\/td>\n<td>\u0926\u0940\u0930\u094d\u0918\u0915\u093e\u0932\u093f\u0915, \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0935\u0943\u0926\u094d\u0927\u093f<\/td>\n<\/tr>\n<tr>\n<td>NSC (National Savings Certificate)<\/td>\n<td>~7.7%*<\/td>\n<td>5 \u0938\u093e\u0932<\/td>\n<td>\u092c\u094d\u092f\u093e\u091c \u091f\u0948\u0915\u094d\u0938\u0947\u092c\u0932; \u0928\u093f\u0935\u0947\u0936 80C \u0915\u0947 \u0924\u0939\u0924<\/td>\n<td>\u0917\u093e\u0930\u0902\u091f\u0940\u0921, \u092e\u0927\u094d\u092f\u092e \u0905\u0935\u0927\u093f \u0928\u093f\u0935\u0947\u0936<\/td>\n<\/tr>\n<tr>\n<td>\u0905\u0928\u094d\u200d\u092f Annuity Plans<\/td>\n<td>~6\u20137%*<\/td>\n<td>Life-time (\u092a\u0949\u0932\u093f\u0938\u0940 \u0905\u0928\u0941\u0938\u093e\u0930)<\/td>\n<td>\u0906\u092f \u091f\u0948\u0915\u094d\u0938\u0947\u092c\u0932<\/td>\n<td>\u0932\u093e\u0907\u092b-\u091f\u093e\u0907\u092e \u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u092a\u0947\u0902\u0936\u0928 \u091a\u093e\u0939\u0928\u0947 \u0935\u093e\u0932\u0947<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>*\u0926\u0930\u0947\u0902 \u0938\u0902\u0915\u0947\u0924\u093e\u0924\u094d\u092e\u0915\/\u092a\u0930\u093f\u0935\u0930\u094d\u0924\u0928\u0940\u092f \u0939\u0948\u0902; \u0928\u093f\u0935\u0947\u0936 \u0938\u0947 \u092a\u0939\u0932\u0947 \u0906\u0927\u093f\u0915\u093e\u0930\u093f\u0915 \u0926\u0930\u0947\u0902 \u0914\u0930 \u0928\u093f\u092f\u092e \u091c\u093e\u0902\u091a\u0947\u0902\u0964<\/p>\n<p><span style=\"font-weight: 400;\">\u092f\u0939 \u0938\u094d\u0915\u0940\u092e\u0947\u0902 \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0939\u0948\u0902, \u0917\u093e\u0930\u0902\u091f\u0940\u0921 \u0930\u093f\u091f\u0930\u094d\u0928 \u0926\u0947\u0924\u0940 \u0939\u0948\u0902 \u0914\u0930 \u092c\u0941\u091c\u0941\u0930\u094d\u0917\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u092d\u0930\u094b\u0938\u0947\u092e\u0902\u0926 \u0938\u093e\u0927\u0928 \u0939\u0948\u0902\u0964<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-3086\" src=\"https:\/\/paisaforever.com\/hin\/wp-content\/uploads\/2025\/08\/Senior-Indian-man-filling-fixed-deposit-form-at-bank.jpeg\" alt=\"Senior Indian man filling fixed deposit form at bank\" width=\"1200\" height=\"675\" srcset=\"https:\/\/paisaforever.com\/hin\/wp-content\/uploads\/2025\/08\/Senior-Indian-man-filling-fixed-deposit-form-at-bank.jpeg 1200w, https:\/\/paisaforever.com\/hin\/wp-content\/uploads\/2025\/08\/Senior-Indian-man-filling-fixed-deposit-form-at-bank-300x169.jpeg 300w, https:\/\/paisaforever.com\/hin\/wp-content\/uploads\/2025\/08\/Senior-Indian-man-filling-fixed-deposit-form-at-bank-1024x576.jpeg 1024w, https:\/\/paisaforever.com\/hin\/wp-content\/uploads\/2025\/08\/Senior-Indian-man-filling-fixed-deposit-form-at-bank-768x432.jpeg 768w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/p>\n<h3><b>3. \u0938\u0939\u0940 \u092c\u0948\u0932\u0947\u0902\u0938 \u092c\u0928\u093e\u0928\u093e: \u0907\u0915\u094d\u0935\u093f\u091f\u0940 vs. \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0938\u093e\u0927\u0928<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">\u0930\u093f\u091f\u093e\u092f\u0930\u092e\u0947\u0902\u091f \u0915\u0947 \u092c\u093e\u0926 \u091c\u094d\u092f\u093e\u0926\u093e\u0924\u0930 \u0932\u094b\u0917 \u0938\u094b\u091a\u0924\u0947 \u0939\u0948\u0902 \u0915\u093f \u0905\u092c \u0936\u0947\u092f\u0930 \u092e\u093e\u0930\u094d\u0915\u0947\u091f \u0938\u0947 \u0926\u0942\u0930\u0940 \u092c\u0928\u093e \u0932\u0947\u0928\u0940 \u091a\u093e\u0939\u093f\u090f\u0964 \u0932\u0947\u0915\u093f\u0928 \u0939\u0915\u0940\u0915\u0924 \u092f\u0939 \u0939\u0948 \u0915\u093f <\/span><i><span style=\"font-weight: 400;\">25\u201330% \u092a\u094b\u0930\u094d\u091f\u092b\u094b\u0932\u093f\u092f\u094b \u0907\u0915\u094d\u0935\u093f\u091f\u0940 \u092e\u0947\u0902 \u0930\u0916\u0928\u093e<\/span><\/i><span style=\"font-weight: 400;\"> \u091c\u0930\u0942\u0930\u0940 \u0939\u0948, \u0924\u093e\u0915\u093f \u092e\u0939\u0902\u0917\u093e\u0908 \u0915\u094b \u092e\u093e\u0924 \u0926\u0940 \u091c\u093e \u0938\u0915\u0947\u0964<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0905\u0917\u0930 \u0906\u092a \u20b910 \u0932\u093e\u0916 FD \u092e\u0947\u0902 \u0930\u0916\u0924\u0947 \u0939\u0948\u0902 @6%, 10 \u0938\u093e\u0932 \u092c\u093e\u0926 \u092f\u0939 ~\u20b918 \u0932\u093e\u0916 \u092c\u0928\u0947\u0917\u093e\u0964<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0935\u0939\u0940 \u20b910 \u0932\u093e\u0916 \u0907\u0902\u0921\u0947\u0915\u094d\u0938 \u092b\u0902\u0921 \u092e\u0947\u0902 @11%, 10 \u0938\u093e\u0932 \u092c\u093e\u0926 \u092f\u0939 ~\u20b928 \u0932\u093e\u0916 \u0924\u0915 \u092a\u0939\u0941\u0902\u091a \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">\u092e\u0924\u0932\u092c \u092a\u0942\u0930\u0940 \u0924\u0930\u0939 \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0938\u093e\u0927\u0928 \u092a\u0930 \u0928\u093f\u0930\u094d\u092d\u0930 \u0930\u0939\u0928\u093e \u092d\u0940 \u0930\u093f\u0938\u094d\u0915 \u0939\u0948\u2014<\/span><i><span style=\"font-weight: 400;\">Inflation Risk<\/span><\/i><span style=\"font-weight: 400;\">!<\/span><\/p>\n<h2><b>\u0930\u093f\u091f\u093e\u092f\u0930\u092e\u0947\u0902\u091f \u0915\u0948\u0936 \u092b\u094d\u0932\u094b \u0914\u0930 \u0935\u093f\u0926\u0921\u094d\u0930\u0949\u0905\u0932 \u0938\u094d\u091f\u094d\u0930\u0947\u091f\u0947\u091c\u0940<\/b><\/h2>\n<h3><b>4% \u0930\u0942\u0932\u2014\u092d\u093e\u0930\u0924\u0940\u092f \u0938\u0902\u0926\u0930\u094d\u092d \u092e\u0947\u0902 \u0915\u0948\u0938\u0947 \u0905\u092a\u0928\u093e\u090f\u0901<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">\u0930\u0942\u0932 \u0915\u093e \u0938\u093e\u0930: \u0930\u093f\u091f\u093e\u092f\u0930\u092e\u0947\u0902\u091f \u0915\u0949\u0930\u094d\u092a\u0938 \u0938\u0947 \u0939\u0930 \u0938\u093e\u0932 ~4% \u0928\u093f\u0915\u093e\u0932\u0947\u0902 \u0914\u0930 \u092e\u0939\u0902\u0917\u093e\u0908 \u0915\u0947 \u0939\u093f\u0938\u093e\u092c \u0938\u0947 \u0907\u0938\u0947 \u0938\u093e\u0932\u093e\u0928\u093e \u092c\u0922\u093c\u093e\u090f\u0901, \u0924\u093e\u0915\u093f \u0915\u0949\u0930\u094d\u092a\u0938 \u0932\u0902\u092c\u0940 \u0909\u092e\u094d\u0930 (25\u201330 \u0938\u093e\u0932) \u0924\u0915 \u091f\u093f\u0915\u0947\u0964<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u0938\u094d\u091f\u0947\u092a-1:<\/b><span style=\"font-weight: 400;\"> \u0915\u0941\u0932 \u0915\u0949\u0930\u094d\u092a\u0938 \u0917\u093f\u0928\u0947\u0902 (\u0909\u0926\u093e. \u20b91.2 \u0915\u0930\u094b\u0921\u093c)\u0964<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u0938\u094d\u091f\u0947\u092a-2:<\/b><span style=\"font-weight: 400;\"> \u0935\u093e\u0930\u094d\u0937\u093f\u0915 \u0928\u093f\u0915\u093e\u0938\u0940 = 4% \u21d2 \u20b94.8 \u0932\u093e\u0916\/\u0935\u0930\u094d\u0937 (~\u20b940,000\/\u092e\u093e\u0939)\u0964<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u0938\u094d\u091f\u0947\u092a-3:<\/b><span style=\"font-weight: 400;\"> \u091c\u093f\u0924\u0928\u0940 \u092e\u0939\u0902\u0917\u093e\u0908 (\u092e\u093e\u0928 \u0932\u0947\u0902 5%), \u0905\u0917\u0932\u0947 \u0938\u093e\u0932 \u0928\u093f\u0915\u093e\u0938\u0940 ~5% \u092c\u0922\u093c\u093e\u090f\u0901\u0964<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u092d\u093e\u0930\u0924\u0940\u092f \u090f\u0902\u0917\u0932:<\/b><span style=\"font-weight: 400;\"> 4% \u0915\u094b <\/span><i><span style=\"font-weight: 400;\">\u0932\u091a\u0940\u0932\u093e \u0928\u093f\u092f\u092e<\/span><\/i><span style=\"font-weight: 400;\"> \u092e\u093e\u0928\u0947\u0902\u2014\u092f\u0926\u093f \u092a\u0947\u0902\u0936\u0928\/\u0915\u093f\u0930\u093e\u092f\u093e \u092e\u093f\u0932 \u0930\u0939\u093e \u0939\u0948, \u0924\u094b \u0907\u0915\u094d\u0935\u093f\u091f\u0940 \u0939\u093f\u0938\u094d\u0938\u0947 \u0915\u094b ~25\u201330% \u0930\u0916\u0947\u0902; \u0916\u0930\u093e\u092c \u092c\u093e\u091c\u093e\u0930 \u0935\u0930\u094d\u0937\u094b\u0902 \u092e\u0947\u0902 \u0928\u093f\u0915\u093e\u0938\u0940 3\u20133.5% \u0924\u0915 \u0918\u091f\u093e\u090f\u0901 (\u0915\u0949\u0930\u094d\u092a\u0938 \u092c\u091a\u093e\u0935)\u0964<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<h3><b>\u0907\u092e\u0930\u091c\u0947\u0902\u0938\u0940 \u0914\u0930 \u092e\u0947\u0921\u093f\u0915\u0932 \u092b\u0902\u0921 \u0915\u0940 \u0938\u094d\u092e\u093e\u0930\u094d\u091f \u0924\u0948\u092f\u093e\u0930\u0940<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u092e\u0947\u0921\u093f\u0915\u0932 \u092c\u092b\u093c\u0930:<\/b><span style=\"font-weight: 400;\"> 12\u201318 \u092e\u0939\u0940\u0928\u094b\u0902 \u0915\u0947 \u092e\u0947\u0921\u093f\u0915\u0932\/\u091c\u0940\u0935\u0928-\u092f\u093e\u092a\u0928 \u0916\u0930\u094d\u091a \u0915\u0947 \u092c\u0930\u093e\u092c\u0930 \u0930\u093e\u0936\u093f \u0932\u093f\u0915\u094d\u0935\u093f\u0921\/\u0905\u0930\u094d\u092c\u093f\u091f\u094d\u0930\u093e\u091c \u092b\u0902\u0921 \u092e\u0947\u0902 \u092a\u093e\u0930\u094d\u0915 \u0915\u0930\u0947\u0902 (\u0909\u0926\u093e. \u20b93\u20135 \u0932\u093e\u0916 \u092f\u093e \u0906\u092a\u0915\u0940 \u0938\u094d\u0925\u093f\u0924\u093f \u0905\u0928\u0941\u0938\u093e\u0930)\u0964<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u092c\u0940\u092e\u093e \u092c\u0928\u093e\u092e \u092c\u092b\u093c\u0930:<\/b><span style=\"font-weight: 400;\"> \u0938\u0940\u0928\u093f\u092f\u0930 \u0939\u0947\u0932\u094d\u0925 \u0907\u0902\u0936\u094d\u092f\u094b\u0930\u0947\u0902\u0938 \u092a\u094d\u0930\u0940\u092e\u093f\u092f\u092e \u090a\u0901\u091a\u093e \u0939\u094b \u0938\u0915\u0924\u093e \u0939\u0948; \u092f\u0926\u093f \u0915\u0935\u0930 \u0938\u0940\u092e\u093f\u0924\/\u092e\u0939\u0901\u0917\u093e \u0939\u0948, \u0924\u094b \u092c\u092b\u093c\u0930 + \u092c\u0947\u0938\u093f\u0915 \u092e\u0947\u0921\u093f\u0915\u094d\u0932\u0947\u092e \u0915\u093e \u0915\u0949\u092e\u094d\u092c\u093f\u0928\u0947\u0936\u0928 \u0905\u092a\u0928\u093e\u090f\u0901\u0964<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u091f\u0948\u0915\u094d\u0938 \u092b\u093c\u093e\u092f\u0926\u093e:<\/b><span style=\"font-weight: 400;\"> \u0938\u0947\u0915\u094d\u0936\u0928 80D \u0915\u0947 \u0924\u0939\u0924 \u0938\u0940\u0928\u093f\u092f\u0930\u094d\u0938 \u0915\u0947 \u0932\u093f\u090f \u0909\u091a\u094d\u091a \u0921\u093f\u0921\u0915\u094d\u0936\u0928 \u0909\u092a\u0932\u092c\u094d\u0927 (\u0928\u0940\u091a\u0947 \u0938\u0947\u0915\u094d\u0936\u0928 3 \u092e\u0947\u0902 \u0935\u093f\u0938\u094d\u0924\u093e\u0930), \u092e\u0947\u0921\u093f\u0915\u0932 \u092c\u092b\u093c\u0930 \u0938\u0947 \u0928\u093f\u0915\u093e\u0938\u0940 \u092a\u0930 \u091f\u0948\u0915\u094d\u0938 \u092a\u094d\u0932\u093e\u0928\u093f\u0902\u0917 \u0927\u094d\u092f\u093e\u0928 \u092e\u0947\u0902 \u0930\u0916\u0947\u0902\u0964<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<h3><b>\u0928\u093f\u0915\u093e\u0938\u0940 \u0915\u0940 \u0938\u094d\u092e\u093e\u0930\u094d\u091f \u0915\u094d\u0930\u092e\u092c\u0926\u094d\u0927\u0924\u093e (Tax-Efficient Withdrawal Order)<\/b><\/h3>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u0906\u092f \u0915\u0947 \u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0938\u094d\u0930\u094b\u0924 \u092a\u0939\u0932\u0947:<\/b><span style=\"font-weight: 400;\"> \u092a\u0947\u0902\u0936\u0928\/\u0915\u093f\u0930\u093e\u092f\u093e\/\u092a\u0940\u090f\u092b \u092c\u094d\u092f\u093e\u091c\u0964<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u092b\u093f\u0930 \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0938\u093e\u0927\u0928:<\/b><span style=\"font-weight: 400;\"> FD, SCSS, POMIS \u0915\u0940 \u092e\u0948\u091a\u094d\u092f\u094b\u0930\u093f\u091f\u0940\/\u0907\u0902\u091f\u0930\u0947\u0938\u094d\u091f \u0915\u093e \u0909\u092a\u092f\u094b\u0917\u0964<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u0905\u0902\u0924 \u092e\u0947\u0902 \u0917\u094d\u0930\u094b\u0925 \u090f\u0938\u0947\u091f\u094d\u0938:<\/b><span style=\"font-weight: 400;\"> \u0907\u0915\u094d\u0935\u093f\u091f\u0940\/\u092e\u094d\u092f\u0942\u091a\u0941\u0905\u0932 \u092b\u0902\u0921 \u0915\u094b \u0927\u0940\u0930\u0947-\u0927\u0940\u0930\u0947 \u092c\u0947\u091a\u0947\u0902; \u092c\u093f\u092f\u0930 \u092e\u093e\u0930\u094d\u0915\u0947\u091f \u092e\u0947\u0902 \u0907\u0915\u094d\u0935\u093f\u091f\u0940 \u0938\u0947 \u0928\u093f\u0915\u093e\u0938\u0940 \u0915\u092e \u0930\u0916\u0947\u0902\u0964<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u0930\u0940\u092c\u0948\u0932\u0947\u0902\u0938\u093f\u0902\u0917 \u0928\u093f\u092f\u092e:<\/b><span style=\"font-weight: 400;\"> \u0938\u093e\u0932 \u092e\u0947\u0902 1 \u092c\u093e\u0930 \u091f\u093e\u0930\u094d\u0917\u0947\u091f \u090f\u0938\u0947\u091f \u090f\u0932\u094b\u0915\u0947\u0936\u0928 (\u0909\u0926\u093e. 70% \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924, 30% \u0907\u0915\u094d\u0935\u093f\u091f\u0940) \u092a\u0930 \u0932\u094c\u091f\u0947\u0902\u2014\u092e\u0941\u0928\u093e\u092b\u093c\u093e\u0935\u0938\u0942\u0932\u0940 \u0914\u0930 \u0930\u093f\u0938\u094d\u0915 \u0915\u0902\u091f\u094d\u0930\u094b\u0932 \u0926\u094b\u0928\u094b\u0902 \u0939\u094b\u0902\u0917\u0947\u0964<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ol>\n<p><strong data-start=\"1316\" data-end=\"1327\">\u0909\u0926\u093e\u0939\u0930\u0923: <\/strong>\u091f\u093e\u0930\u094d\u0917\u0947\u091f: 70\/30 (Debt\/Equity), Actual: 74\/26 (\u0907\u0915\u094d\u0935\u093f\u091f\u0940 \u0917\u093f\u0930\u0928\u0947 \u0938\u0947) \u2192 \u0905\u0917\u0932\u0947 6\u201312 \u092e\u0939\u0940\u0928\u094b\u0902 \u092e\u0947\u0902 \u0928\u0908 \u0928\u093f\u0935\u0947\u0936\/\u0928\u093f\u0915\u093e\u0938\u0940 \u0910\u0938\u0947 \u0915\u0930\u0947\u0902 \u0915\u093f 30% \u0907\u0915\u094d\u0935\u093f\u091f\u0940 \u092b\u093f\u0930 \u0939\u093e\u0938\u093f\u0932 \u0939\u094b \u091c\u093e\u090f (\u0932\u094b-\u0915\u0949\u0938\u094d\u091f \u0907\u0902\u0921\u0947\u0915\u094d\u0938 \u092b\u0902\u0921\/SWPs \u092e\u0926\u0926\u0917\u093e\u0930)\u0964<\/p>\n<h2><b>\u091f\u0948\u0915\u094d\u0938 \u092a\u094d\u0932\u093e\u0928\u093f\u0902\u0917 \u0914\u0930 \u0932\u0940\u0917\u0947\u0938\u0940 \u092e\u0948\u0928\u0947\u091c\u092e\u0947\u0902\u091f<\/b><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-3087\" src=\"https:\/\/paisaforever.com\/hin\/wp-content\/uploads\/2025\/08\/old-Indian-couple-with-children-at-home.jpeg\" alt=\"Old Indian couple with children at home\" width=\"1200\" height=\"675\" srcset=\"https:\/\/paisaforever.com\/hin\/wp-content\/uploads\/2025\/08\/old-Indian-couple-with-children-at-home.jpeg 1200w, https:\/\/paisaforever.com\/hin\/wp-content\/uploads\/2025\/08\/old-Indian-couple-with-children-at-home-300x169.jpeg 300w, https:\/\/paisaforever.com\/hin\/wp-content\/uploads\/2025\/08\/old-Indian-couple-with-children-at-home-1024x576.jpeg 1024w, https:\/\/paisaforever.com\/hin\/wp-content\/uploads\/2025\/08\/old-Indian-couple-with-children-at-home-768x432.jpeg 768w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/p>\n<h3><b>\u0938\u0940\u0928\u093f\u092f\u0930 \u0938\u093f\u091f\u0940\u091c\u093c\u0928\u094d\u0938 \u0915\u0947 \u092a\u094d\u0930\u092e\u0941\u0916 \u091f\u0948\u0915\u094d\u0938 \u092b\u093c\u093e\u092f\u0926\u0947 (\u0938\u0902\u0915\u0947\u0924\u093e\u0924\u094d\u092e\u0915)<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u0906\u092f\u0915\u0930 \u0938\u094d\u0932\u0948\u092c \u0930\u093e\u0939\u0924:<\/b><span style=\"font-weight: 400;\"> 60+ \u0914\u0930 80+ \u0915\u0947 \u0932\u093f\u090f \u092c\u0947\u0938\u093f\u0915 \u091b\u0942\u091f \u0905\u0932\u0917-\u0905\u0932\u0917 (\u0928\u0935\u0940\u0928\u0924\u092e \u0928\u093f\u092f\u092e \u0926\u0947\u0916\u0947\u0902)\u0964<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Sec 80TTB:<\/b><span style=\"font-weight: 400;\"> \u0938\u0940\u0928\u093f\u092f\u0930\u094d\u0938 \u0915\u0947 \u0932\u093f\u090f \u092c\u0948\u0902\u0915\/\u092a\u094b\u0938\u094d\u091f-\u0911\u092b\u093f\u0938 \u0921\u093f\u092a\u0949\u091c\u093c\u093f\u091f \u0907\u0902\u091f\u0930\u0947\u0938\u094d\u091f \u092a\u0930 \u0905\u0924\u093f\u0930\u093f\u0915\u094d\u0924 \u0921\u093f\u0921\u0915\u094d\u0936\u0928 (TTB), \u091c\u093f\u0938\u0938\u0947 \u0907\u0902\u091f\u0930\u0947\u0938\u094d\u091f \u0907\u0928\u0915\u092e \u092a\u0930 \u091f\u0948\u0915\u094d\u0938 \u092c\u094b\u091d \u0918\u091f\u0924\u093e \u0939\u0948\u0964<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Sec 80D:<\/b><span style=\"font-weight: 400;\"> \u0938\u094d\u0935\u093e\u0938\u094d\u0925\u094d\u092f \u092c\u0940\u092e\u093e \u092a\u094d\u0930\u0940\u092e\u093f\u092f\u092e \u0914\u0930 \u092e\u0947\u0921\u093f\u0915\u094d\u0932\u0947\u092e \u092a\u0930 \u0909\u091a\u094d\u091a \u0921\u093f\u0921\u0915\u094d\u0936\u0928 \u0932\u093f\u092e\u093f\u091f (\u0935\u093f\u0936\u0947\u0937\u0915\u0930 60+ \u0915\u0947 \u0932\u093f\u090f)\u0964<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u0915\u0948\u092a\u093f\u091f\u0932 \u0917\u0947\u0928 \u092a\u094d\u0932\u093e\u0928\u093f\u0902\u0917:<\/b><span style=\"font-weight: 400;\"> \u0907\u0915\u094d\u0935\u093f\u091f\u0940 MF\/\u0936\u0947\u092f\u0930 (LTCG\/STCG) \u0914\u0930 \u0921\u0947\u092c\u094d\u091f \u092a\u0930 \u0905\u0932\u0917 \u0928\u093f\u092f\u092e; <\/span><i><span style=\"font-weight: 400;\">\u0915\u0930-\u092a\u094d\u0930\u092d\u093e\u0935<\/span><\/i><span style=\"font-weight: 400;\"> \u0926\u0947\u0916\u0915\u0930 \u0939\u0940 \u0928\u093f\u0915\u093e\u0938\u0940 \u0915\u094d\u0930\u092e \u0924\u092f \u0915\u0930\u0947\u0902 (\u091c\u0948\u0938\u0947, LTCG \u091b\u0942\u091f \u0938\u0940\u092e\u093e \u0915\u093e \u0938\u093e\u0932\u093e\u0928\u093e \u0909\u092a\u092f\u094b\u0917)\u0964<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<p><b>\u092a\u094d\u0930\u0948\u0915\u094d\u091f\u093f\u0915\u0932 \u091f\u093f\u092a:<\/b><span style=\"font-weight: 400;\"> \u0938\u093e\u0932 \u0915\u0947 \u0905\u0902\u0924 \u092e\u0947\u0902 <\/span><i><span style=\"font-weight: 400;\">\u091f\u0948\u0915\u094d\u0938-\u0932\u0949\u0938 \u0939\u093e\u0930\u094d\u0935\u0947\u0938\u094d\u091f\u093f\u0902\u0917<\/span><\/i><span style=\"font-weight: 400;\"> \u092a\u0930 \u0935\u093f\u091a\u093e\u0930 \u0915\u0930\u0947\u0902\u2014\u0917\u093f\u0930\u093e\u0928\u094d\u0924\u0930 \u0928\u093f\u0935\u0947\u0936 \u0906\u0902\u0936\u093f\u0915 \u092c\u0947\u091a\u0915\u0930 \u0918\u093e\u091f\u093e \u092c\u0941\u0915 \u0915\u0930\u0947\u0902 \u0914\u0930 \u0938\u092e\u093e\u0928 \u090f\u0915\u094d\u0938\u092a\u094b\u091c\u093c\u0930 \u0926\u0942\u0938\u0930\u0940 \u0938\u094d\u0915\u0940\u092e\/\u092b\u094b\u0932\u093f\u092f\u094b \u0938\u0947 \u092c\u0928\u093e\u090f \u0930\u0916\u0947\u0902; \u0907\u0938\u0938\u0947 \u0928\u0947\u091f \u091f\u0948\u0915\u094d\u0938 \u0918\u091f \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/span><\/p>\n<h3><b>\u0935\u0938\u0940\u092f\u0924 (Will), Nomination \u0914\u0930 \u0926\u0938\u094d\u0924\u093e\u0935\u0947\u091c\u093c \u092a\u094d\u0930\u092c\u0902\u0927\u0928<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Nominee \u0905\u092a\u0921\u0947\u091f \u0915\u0930\u0947\u0902:<\/b><span style=\"font-weight: 400;\"> \u092c\u0948\u0902\u0915, \u0921\u0940\u092e\u0948\u091f, \u092e\u094d\u092f\u0942\u091a\u0941\u0905\u0932 \u092b\u0902\u0921, PPF, SCSS, \u092c\u0940\u092e\u093e, \u0932\u0949\u0915\u0930\u2014\u0939\u0930 \u091c\u0917\u0939\u0964<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u0938\u0930\u0932 \u0935\u0938\u0940\u092f\u0924 \u0932\u093f\u0916\u0947\u0902:<\/b><span style=\"font-weight: 400;\"> \u0938\u0902\u092a\u0924\u094d\u0924\u093f\u092f\u094b\u0902 \u0915\u093e \u0938\u094d\u092a\u0937\u094d\u091f \u092c\u0901\u091f\u0935\u093e\u0930\u093e, \u090f\u0915\u094d\u0938\u0947\u0915\u094d\u092f\u0942\u091f\u0930 \u0915\u093e \u0928\u093e\u092e, \u0917\u0935\u093e\u0939\u2014\u092c\u093e\u0926 \u0915\u0940 \u0915\u093e\u0928\u0942\u0928\u0940 \u091c\u091f\u093f\u0932\u0924\u093e\u090f\u0901 \u0915\u092e \u0939\u094b\u0902\u0917\u0940\u0964<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u0926\u0938\u094d\u0924\u093e\u0935\u0947\u091c\u093c \u092b\u093c\u094b\u0932\u094d\u0921\u0930\/\u092b\u093c\u093e\u0907\u0932:<\/b><span style=\"font-weight: 400;\"> \u0906\u0927\u093e\u0930, \u092a\u0948\u0928, \u092a\u0947\u0902\u0936\u0928 \u092a\u0947\u092a\u0930\u094d\u0938, \u092a\u0949\u0932\u093f\u0938\u0940\u091c\u093c, \u092a\u094d\u0930\u0949\u092a\u0930\u094d\u091f\u0940 \u092a\u0947\u092a\u0930\u094d\u0938, \u092a\u093e\u0938\u0935\u0930\u094d\u0921-\u0939\u093f\u0902\u091f\/\u0915\u0938\u094d\u091f\u094b\u0921\u093f\u092f\u0928 \u0928\u093f\u0930\u094d\u0926\u0947\u0936\u2014\u092a\u0930\u093f\u0935\u093e\u0930 \u0915\u0947 \u0935\u093f\u0936\u094d\u0935\u093e\u0938\u092a\u093e\u0924\u094d\u0930 \u0938\u0926\u0938\u094d\u092f \u0915\u094b \u0932\u094b\u0915\u0947\u0936\u0928 \u092c\u0924\u093e\u090f\u0902\u0964<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u092a\u093e\u0935\u0930 \u0911\u092b \u0905\u091f\u0949\u0930\u094d\u0928\u0940\/\u0928\u0949\u092e\u093f\u0928\u0940 vs. \u0909\u0924\u094d\u0924\u0930\u093e\u0927\u093f\u0915\u093e\u0930\u0940:<\/b><span style=\"font-weight: 400;\"> \u0907\u0928\u0915\u0947 \u092b\u0930\u094d\u0915 \u0915\u094b \u0938\u092e\u091d\u093e\u090f\u0901\u2014\u0928\u0949\u092e\u093f\u0928\u0940 <\/span><i><span style=\"font-weight: 400;\">\u0927\u093e\u0930\u0915<\/span><\/i><span style=\"font-weight: 400;\"> \u0939\u094b\u0924\u093e \u0939\u0948, \u0905\u0902\u0924\u093f\u092e <\/span><i><span style=\"font-weight: 400;\">\u0939\u0915\u093c\u0926\u093e\u0930<\/span><\/i><span style=\"font-weight: 400;\"> \u0915\u093e\u0928\u0942\u0928\u0940 \u0909\u0924\u094d\u0924\u0930\u093e\u0927\u093f\u0915\u093e\u0930\u0940 \u0939\u094b\u0924\u0947 \u0939\u0948\u0902 (\u0935\u0938\u0940\u092f\u0924 \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u0907\u0938\u0932\u093f\u090f)\u0964<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<p>Read : <a href=\"https:\/\/paisaforever.com\/5-mistakes-in-making-will\/\">\u0906\u092a\u0915\u0947 \u092c\u093e\u0926 \u092a\u0930\u093f\u0935\u093e\u0930 \u092e\u0947\u0902 \u0935\u093f\u0935\u093e\u0926 \u0928 \u0939\u094b? \u0935\u0938\u0940\u092f\u0924 \u0915\u0940 \u0907\u0928 5 \u0917\u0902\u092d\u0940\u0930 \u0917\u0932\u0924\u093f\u092f\u094b\u0902 \u0938\u0947 \u092c\u091a\u0947\u0902<\/a><\/p>\n<h3><b>\u092a\u0930\u093f\u0935\u093e\u0930 \u0915\u0947 \u0938\u093e\u0925 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0902\u0935\u093e\u0926 \u0914\u0930 \u091c\u094d\u091e\u093e\u0928-\u0938\u093e\u091d\u093e<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u0935\u093e\u0930\u094d\u0937\u093f\u0915 \u2018\u092b\u0948\u092e\u093f\u0932\u0940 \u092b\u093e\u0907\u0928\u0947\u0902\u0938 \u092e\u0940\u091f\u2019:<\/b><span style=\"font-weight: 400;\"> \u0906\u092f\u2013\u0916\u0930\u094d\u091a\u2013\u092c\u0940\u092e\u093e\u2013\u0928\u0949\u092e\u093f\u0928\u0940\u2013\u092a\u093e\u0938\u0935\u0930\u094d\u0921 \u0915\u0938\u094d\u091f\u0921\u0940 \u0915\u0940 1 \u092e\u0940\u091f\u093f\u0902\u0917\/\u0935\u0930\u094d\u0937\u0964<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u092b\u094d\u0930\u0949\u0921 \u0938\u0947 \u0938\u093e\u0935\u0927\u093e\u0928\u0940:<\/b><span style=\"font-weight: 400;\"> UPI\/\u0915\u0949\u0932-\u0938\u094d\u0915\u0948\u092e, KYC \u0932\u093f\u0902\u0915, \u0938\u094d\u0915\u094d\u0930\u0940\u0928-\u0936\u0947\u092f\u0930\u093f\u0902\u0917\u2014\u0915\u092d\u0940 \u0928 \u0915\u0930\u0947\u0902; \u092b\u0948\u092e\u093f\u0932\u0940 \u0935\u094d\u0939\u093e\u091f\u094d\u0938\u090f\u092a \u0917\u094d\u0930\u0941\u092a \u092e\u0947\u0902 <\/span><i><span style=\"font-weight: 400;\">\u0938\u0941\u0930\u0915\u094d\u0937\u093e-\u0928\u093f\u092f\u092e \u0915\u093e\u0930\u094d\u0921<\/span><\/i><span style=\"font-weight: 400;\"> \u092a\u093f\u0928 \u0915\u0930\u0947\u0902\u0964<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u0935\u0947\u0932\u094d\u0925 + \u0935\u0948\u0932\u094d\u092f\u0942 \u091f\u094d\u0930\u093e\u0902\u0938\u092b\u0930:<\/b><span style=\"font-weight: 400;\"> \u092c\u091a\u094d\u091a\u094b\u0902\/\u092a\u094b\u0924\u0947\u2013\u092a\u094b\u0924\u0940 \u0915\u094b \u092c\u091c\u091f\u093f\u0902\u0917, SIP, \u0914\u0930 \u0926\u093e\u0928\/\u092a\u0930\u092e\u093e\u0930\u094d\u0925 \u0915\u093e \u092e\u0942\u0932\u094d\u092f \u0938\u093f\u0916\u093e\u090f\u0901\u2014<\/span><i><span style=\"font-weight: 400;\">\u0915\u0947\u0935\u0932 \u0938\u0902\u092a\u0924\u094d\u0924\u093f \u0928\u0939\u0940\u0902, \u0938\u092e\u091d \u092d\u0940 \u0926\u0947\u0902<\/span><\/i><span style=\"font-weight: 400;\">\u0964<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/li>\n<\/ul>\n<h2><b>\u092c\u0926\u0932\u0924\u0940 \u091c\u093c\u0930\u0942\u0930\u0924\u094b\u0902 \u0915\u0947 \u0905\u0928\u0941\u0938\u093e\u0930 \u0932\u091a\u0940\u0932\u093e\u092a\u0928 \u0905\u092a\u0928\u093e\u090f\u0901<\/b><\/h2>\n<h3><b>1. \u0938\u094d\u0935\u093e\u0938\u094d\u0925\u094d\u092f \u0914\u0930 \u092e\u0939\u0902\u0917\u093e\u0908 \u0915\u093e \u0927\u094d\u092f\u093e\u0928 \u0930\u0916\u0947\u0902<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">\u091c\u0948\u0938\u0947-\u091c\u0948\u0938\u0947 \u0909\u092e\u094d\u0930 \u092c\u0922\u093c\u0924\u0940 \u0939\u0948, \u0939\u0947\u0932\u094d\u0925 \u0916\u0930\u094d\u091a \u092c\u0922\u093c \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964 \u0906\u091c \u0915\u0940 7% \u092e\u0939\u0902\u0917\u093e\u0908 \u0915\u093e \u0905\u0938\u0930 \u0906\u0928\u0947 \u0935\u093e\u0932\u0947 10\u201315 \u0938\u093e\u0932\u094b\u0902 \u092e\u0947\u0902 \u092c\u0939\u0941\u0924 \u092c\u0921\u093c\u093e \u0939\u094b \u091c\u093e\u090f\u0917\u093e\u0964 \u0910\u0938\u0947 \u092e\u0947\u0902 \u091c\u093c\u0930\u0942\u0930\u0940 \u0939\u0948 \u0915\u093f \u0928\u093f\u0935\u0947\u0936 \u0914\u0930 \u092c\u091a\u0924 \u0915\u094b \u0938\u092e\u092f-\u0938\u092e\u092f \u092a\u0930 adjust \u0915\u093f\u092f\u093e \u091c\u093e\u090f\u0964<\/span><\/p>\n<h3><b>2. \u091c\u0930\u0942\u0930\u0924 \u0915\u0947 \u0939\u093f\u0938\u093e\u092c \u0938\u0947 \u0928\u093f\u0935\u0947\u0936 \u0936\u093f\u092b\u094d\u091f \u0915\u0930\u0947\u0902<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">\u0930\u093f\u091f\u093e\u092f\u0930\u092e\u0947\u0902\u091f \u0915\u0947 \u0936\u0941\u0930\u0941\u0906\u0924\u0940 \u0938\u093e\u0932\u094b\u0902 \u092e\u0947\u0902 \u0925\u094b\u0921\u093c\u0940 equity exposure \u0930\u0916 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902 \u0924\u093e\u0915\u093f growth \u092e\u093f\u0932\u0947\u0964 \u0932\u0947\u0915\u093f\u0928 \u091c\u0948\u0938\u0947-\u091c\u0948\u0938\u0947 \u0906\u092a 70\u201375 \u0915\u0940 \u0909\u092e\u094d\u0930 \u092e\u0947\u0902 \u092a\u0939\u0941\u0901\u091a\u0947\u0902, \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0938\u093e\u0927\u0928\u094b\u0902 (FDs, SCSS, PMVVY) \u0915\u0940 \u0939\u093f\u0938\u094d\u0938\u0947\u0926\u093e\u0930\u0940 \u092c\u0922\u093c\u093e\u0928\u093e \u0938\u092e\u091d\u0926\u093e\u0930\u0940 \u0939\u0948\u0964<\/span><\/p>\n<h3><b>3. \u091c\u0940\u0935\u0928\u0936\u0948\u0932\u0940 \u0915\u0947 \u0939\u093f\u0938\u093e\u092c \u0938\u0947 \u092f\u094b\u091c\u0928\u093e \u092c\u0926\u0932\u0947\u0902<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">\u0939\u094b \u0938\u0915\u0924\u093e \u0939\u0948 \u0906\u092a \u0930\u093f\u091f\u093e\u092f\u0930\u092e\u0947\u0902\u091f \u092e\u0947\u0902 \u0918\u0942\u092e\u0928\u093e \u092a\u0938\u0902\u0926 \u0915\u0930\u0947\u0902 \u092f\u093e \u092a\u0930\u093f\u0935\u093e\u0930 \u0915\u0947 \u0938\u093e\u0925 \u0930\u0939\u0928\u093e \u091a\u093e\u0939\u0947\u0902\u0964 \u0939\u0930 \u0932\u093e\u0907\u092b\u0938\u094d\u091f\u093e\u0907\u0932 \u0915\u0940 \u0905\u0932\u0917 financial \u091c\u0930\u0942\u0930\u0924 \u0939\u094b\u0924\u0940 \u0939\u0948\u0964 \u0907\u0938\u0932\u093f\u090f rigid plan \u0915\u0940 \u091c\u0917\u0939 flexible approach \u0905\u092a\u0928\u093e\u090f\u0901\u0964<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-3088\" src=\"https:\/\/paisaforever.com\/hin\/wp-content\/uploads\/2025\/08\/Elderly-person-standing-on-mountain-top-with-open-arms-facing-sunrise.jpeg\" alt=\"Elderly person standing on mountain top with open arms\" width=\"1200\" height=\"675\" srcset=\"https:\/\/paisaforever.com\/hin\/wp-content\/uploads\/2025\/08\/Elderly-person-standing-on-mountain-top-with-open-arms-facing-sunrise.jpeg 1200w, https:\/\/paisaforever.com\/hin\/wp-content\/uploads\/2025\/08\/Elderly-person-standing-on-mountain-top-with-open-arms-facing-sunrise-300x169.jpeg 300w, https:\/\/paisaforever.com\/hin\/wp-content\/uploads\/2025\/08\/Elderly-person-standing-on-mountain-top-with-open-arms-facing-sunrise-1024x576.jpeg 1024w, https:\/\/paisaforever.com\/hin\/wp-content\/uploads\/2025\/08\/Elderly-person-standing-on-mountain-top-with-open-arms-facing-sunrise-768x432.jpeg 768w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/p>\n<h2><b>\u0906\u092a\u0915\u0940 \u0938\u094d\u092e\u093e\u0930\u094d\u091f \u091a\u093e\u0932\u0947\u0902<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">\u0938\u0940\u0928\u093f\u092f\u0930 \u0938\u093f\u091f\u0940\u091c\u093c\u0928 \u0915\u0947 \u0932\u093f\u090f \u092b\u093e\u0907\u0928\u0947\u0902\u0936\u093f\u092f\u0932 \u0938\u0941\u0930\u0915\u094d\u0937\u093e \u0915\u0947\u0935\u0932 \u092a\u0948\u0938\u094b\u0902 \u0915\u0947 \u092c\u093e\u0930\u0947 \u092e\u0947\u0902 \u0928\u0939\u0940\u0902 \u0939\u0948, \u092c\u0932\u094d\u0915\u093f \u092e\u093e\u0928\u0938\u093f\u0915 \u0936\u093e\u0902\u0924\u093f \u0914\u0930 \u0906\u0924\u094d\u092e\u0928\u093f\u0930\u094d\u092d\u0930\u0924\u093e \u0938\u0947 \u091c\u0941\u0921\u093c\u0940 \u0939\u0948\u0964<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\"> \u0905\u0917\u0930 \u0906\u092a \u0938\u092e\u092f \u0930\u0939\u0924\u0947 \u0938\u0939\u0940 \u0915\u0926\u092e \u0909\u0920\u093e\u090f\u0901\u2014\u091c\u0948\u0938\u0947 \u0930\u093f\u091f\u093e\u092f\u0930\u092e\u0947\u0902\u091f \u0915\u0947 \u0932\u093f\u090f \u0905\u0932\u0917 \u092b\u0902\u0921, \u0939\u0947\u0932\u094d\u0925 \u0907\u0902\u0936\u094d\u092f\u094b\u0930\u0947\u0902\u0938, \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0928\u093f\u0935\u0947\u0936 \u0914\u0930 \u0925\u094b\u0921\u093c\u0940 equity exposure\u2014\u0924\u094b \u091c\u093c\u093f\u0902\u0926\u0917\u0940 \u0915\u093e \u092f\u0939 \u0938\u0941\u0928\u0939\u0930\u093e \u092a\u0921\u093c\u093e\u0935 \u0938\u091a\u092e\u0941\u091a <\/span><b>\u0938\u0941\u0928\u0939\u0930\u093e<\/b><span style=\"font-weight: 400;\"> \u092c\u0928 \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u092f\u093e\u0926 \u0930\u0916\u0947\u0902: \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u094d\u0935\u0924\u0902\u0924\u094d\u0930\u0924\u093e \u0909\u092e\u094d\u0930 \u0915\u0940 \u0938\u0940\u092e\u093e \u0928\u0939\u0940\u0902 \u092e\u093e\u0928\u0924\u0940, \u092f\u0939 \u0938\u094b\u091a \u0914\u0930 \u0938\u0939\u0940 \u092b\u0948\u0938\u0932\u094b\u0902 \u0938\u0947 \u0906\u0924\u0940 \u0939\u0948\u0964<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b><i>Disclaimer : <\/i><\/b><i><span style=\"font-weight: 400;\">\u0907\u0938 \u0932\u0947\u0916 \u092e\u0947\u0902 \u0926\u0940 \u0917\u0908 \u0938\u092d\u0940 \u091c\u093e\u0928\u0915\u093e\u0930\u0940 \u0915\u0947\u0935\u0932 \u0936\u0948\u0915\u094d\u0937\u0923\u093f\u0915 \u0914\u0930 \u0938\u093e\u092e\u093e\u0928\u094d\u092f \u091c\u093e\u0917\u0930\u0942\u0915\u0924\u093e \u0915\u0947 \u0909\u0926\u094d\u0926\u0947\u0936\u094d\u092f \u0938\u0947 \u092a\u094d\u0930\u0938\u094d\u0924\u0941\u0924 \u0915\u0940 \u0917\u0908 \u0939\u0948\u0964 \u092f\u0939 \u0915\u093f\u0938\u0940 \u092a\u094d\u0930\u0915\u093e\u0930 \u0915\u0940 \u0935\u093f\u0924\u094d\u0924\u0940\u092f, \u0928\u093f\u0935\u0947\u0936 \u092f\u093e \u0915\u0930 \u0938\u0902\u092c\u0902\u0927\u0940 \u0938\u0932\u093e\u0939 (Financial \/ Investment \/ Tax Advice) \u0928\u0939\u0940\u0902 \u0939\u0948\u0964 \u0915\u093f\u0938\u0940 \u092d\u0940 \u0928\u093f\u0935\u0947\u0936 \u092f\u093e \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0928\u093f\u0930\u094d\u0923\u092f \u0938\u0947 \u092a\u0939\u0932\u0947 \u0905\u092a\u0928\u0947 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0938\u0932\u093e\u0939\u0915\u093e\u0930 (Financial Advisor) \u092f\u093e \u092f\u094b\u0917\u094d\u092f \u0935\u093f\u0936\u0947\u0937\u091c\u094d\u091e \u0938\u0947 \u092a\u0930\u093e\u092e\u0930\u094d\u0936 \u0915\u0930\u0928\u093e \u0906\u0935\u0936\u094d\u092f\u0915 \u0939\u0948\u0964 \u0932\u0947\u0916\u0915 \u090f\u0935\u0902 \u0935\u0947\u092c\u0938\u093e\u0907\u091f \u0906\u092a\u0915\u0947 \u0935\u094d\u092f\u0915\u094d\u0924\u093f\u0917\u0924 \u0928\u093f\u0935\u0947\u0936 \u0928\u093f\u0930\u094d\u0923\u092f\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0909\u0924\u094d\u0924\u0930\u0926\u093e\u092f\u0940 \u0928\u0939\u0940\u0902 \u0939\u094b\u0902\u0917\u0947\u0964<\/span><\/i><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0930\u093f\u091f\u093e\u092f\u0930\u092e\u0947\u0902\u091f \u0915\u094b \u0905\u0915\u094d\u0938\u0930 \u0932\u094b\u0917 \u201c\u0915\u092e\u093e\u0908 \u0915\u093e \u0905\u0902\u0924\u201d \u092e\u093e\u0928\u0924\u0947 \u0939\u0948\u0902, \u0932\u0947\u0915\u093f\u0928 \u0938\u091a \u092e\u0947\u0902 \u092f\u0939 \u201c\u0928\u0908 \u0936\u0941\u0930\u0941\u0906\u0924\u201d \u0939\u094b \u0938\u0915\u0924\u0940 \u0939\u0948\u0964 \u0905\u092c \u0906\u092a\u0915\u094b &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"\u0938\u0940\u0928\u093f\u092f\u0930 \u0938\u093f\u091f\u0940\u091c\u093c\u0928\u094d\u0938 \u0915\u0948\u0938\u0947 \u092c\u0928\u093e\u090f\u0902 \u0916\u0941\u0936\u0939\u093e\u0932 \u092b\u093e\u0907\u0928\u0947\u0902\u0936\u093f\u092f\u0932 \u0932\u093e\u0907\u092b\" class=\"read-more button\" href=\"https:\/\/paisaforever.com\/hin\/senior-citizens-financial-planning-retirement\/#more-3084\" aria-label=\"Read more about \u0938\u0940\u0928\u093f\u092f\u0930 \u0938\u093f\u091f\u0940\u091c\u093c\u0928\u094d\u0938 \u0915\u0948\u0938\u0947 \u092c\u0928\u093e\u090f\u0902 \u0916\u0941\u0936\u0939\u093e\u0932 \u092b\u093e\u0907\u0928\u0947\u0902\u0936\u093f\u092f\u0932 \u0932\u093e\u0907\u092b\">Read More<\/a><\/p>\n","protected":false},"author":1,"featured_media":3085,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[5],"tags":[],"class_list":["post-3084","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-planning"],"jetpack_featured_media_url":"https:\/\/paisaforever.com\/hin\/wp-content\/uploads\/2025\/08\/Indian-elderly-couple-sitting-on-a-balcony-with-tea.jpeg","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/paisaforever.com\/hin\/wp-json\/wp\/v2\/posts\/3084","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/paisaforever.com\/hin\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/paisaforever.com\/hin\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/paisaforever.com\/hin\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/paisaforever.com\/hin\/wp-json\/wp\/v2\/comments?post=3084"}],"version-history":[{"count":1,"href":"https:\/\/paisaforever.com\/hin\/wp-json\/wp\/v2\/posts\/3084\/revisions"}],"predecessor-version":[{"id":3089,"href":"https:\/\/paisaforever.com\/hin\/wp-json\/wp\/v2\/posts\/3084\/revisions\/3089"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/paisaforever.com\/hin\/wp-json\/wp\/v2\/media\/3085"}],"wp:attachment":[{"href":"https:\/\/paisaforever.com\/hin\/wp-json\/wp\/v2\/media?parent=3084"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/paisaforever.com\/hin\/wp-json\/wp\/v2\/categories?post=3084"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/paisaforever.com\/hin\/wp-json\/wp\/v2\/tags?post=3084"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}