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Annuity ke variants, aur us faisle ka ulta na ho paana
Published by The Retail Trader · JUL 26, 2026 · Retirement & Insurance
Annuity ek contract hai jisme aap ek lump sum dete ho aur badle mein jeevan bhar ek regular payout milta hai. Uska sabse bada faayda certainty hai, aur sabse badi baat ye ki wo faisla wapas nahi hota.
Sabse simple variant sirf aapke jeevan tak payout deta hai aur uske baad kuch nahi. Uska rate sabse zyada hota hai.
Joint life variant mein spouse ko bhi payout jaari rehta hai, aur return of purchase price variant mein mool raashi nominee ko wapas milti hai. Dono mein payout rate kam ho jaata hai.
Ye baatein annuity ke saath judi hain:
• Payout aam taur par fix hota hai, isliye inflation uski value ghatati rehti hai.
• Faisla irreversible hota hai — surrender ka option lagbhag nahi hota.
• Rate purchase ke din tay hota hai, aur wo interest rate cycle par depend karta hai.
• Payout par tax lagta hai, isliye net payout hi asli number hai.
Annuity ka sahi kaam basic zaroorat ko cover karna hai — ghar ka kharcha, dawaiyan, bills. Uske upar ka hissa aisi jagah reh sakta hai jahan wo inflation ke saath badh sake, kyunki fixed payout tees saal baad wahi nahi rehta jo aaj lagta hai.
Ye article sirf educational hai — koi buy ya sell recommendation nahi, koi guaranteed return ka daawa nahi, aur koi advisory nahi. Rules, rates aur mechanics exchange, SEBI aur RBI time-time par badalte hain, isliye har number apne broker ya official source par khud verify karo.