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Fixed income par tikne wala plan tees saal mein kya ho jaata hai
Published by The Retail Trader · AUG 04, 2026 · Retirement & Insurance
Retirement plan ka sabse bada risk market crash nahi hai. Wo inflation hai, kyunki wo har saal chhota lagta hai aur teen dashak mein poori purchasing power badal deta hai.
Ek chhota saalana inflation bhi compounding se badi ban jaati hai. Aaj ka mahina bhar ka kharcha bees ya tees saal baad kai guna ho sakta hai.
Isliye ek fixed payout jo aaj kaafi lagta hai, baad ke saalon mein kaafi nahi rehta — chahe wo payout kabhi kam na ho.
Ye cheezein inflation ke against madad karti hain:
• Portfolio ka ek hissa aisi assets mein jo lambe samay mein growth de sakein.
• Withdrawal ko har saal thoda adjust karne ki flexibility.
• Health cover, kyunki medical inflation aam inflation se aksar tez hoti hai.
• Retirement ke baad bhi poora portfolio fixed income mein na le jaana.
Retirement ke din portfolio khatam nahi hota — us din uska kaam badalta hai. Agar us din se poora paisa fixed income mein chala jaaye, to plan ek dushman se to bach jaata hai aur doosre ke saamne khula reh jaata 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.