{"id":24364,"date":"2022-05-30T14:33:10","date_gmt":"2022-05-30T14:33:10","guid":{"rendered":"https://www.5paisa.com/finschool/?post_type=markets\u0026#038;p=24364"},"modified":"2026-10-15T17:23:16","modified_gmt":"2026-10-15T11:53:16","slug":"the-retirement-part-1","status":"publish","type":"markets","link":"https://www.5paisa.com/finschool/course/financial-planning-through-mutual-funds-course/the-retirement-part-1/","title":{"rendered":"The Retirement -Part 1"},"content":{"rendered":"\u003cdiv data-elementor-type=\u0022wp-post\u0022 data-elementor-id=\u002224364\u0022 class=\u0022elementor elementor-24364\u0022\u003e\u003csection class=\u0022elementor-section elementor-top-section elementor-element elementor-element-3f4a002 elementor-section-full_width tab_container elementor-section-height-default elementor-section-height-default\u0022 data-id=\u00223f4a002\u0022 data-element_type=\u0022section\u0022\u003e\u003cdiv class=\u0022elementor-container 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data-widget_type=\u0022eael-adv-tabs.default\u0022\u003e\u003cdiv class=\u0022elementor-widget-container\u0022\u003e\u003cdiv data-scroll-on-click=\u0022no\u0022 data-scroll-speed=\u0022300\u0022 id=\u0022eael-advance-tabs-dfb8c83\u0022 class=\u0022eael-advance-tabs eael-tabs-horizontal eael-tab-auto-active \u0022 data-tabid=\u0022dfb8c83\u0022\u003e\u003cdiv class=\u0022eael-tabs-nav \u0022\u003e\u003cul class=\u0022eael-tab-inline-icon\u0022 role=\u0022tablist\u0022\u003e\u003cli id=\u0022study\u0022 class=\u0022active-default eael-tab-item-trigger eael-tab-nav-item\u0022 aria-selected=\u0022true\u0022 data-tab=\u00221\u0022 role=\u0022tab\u0022 tabindex=\u00220\u0022 aria-controls=\u0022study-tab\u0022 aria-expanded=\u0022false\u0022\u003e\u003ci class=\u0022far fa-edit\u0022\u003e\u003c/i\u003e\u003cspan class=\u0022eael-tab-title title-after-icon\u0022\u003eઅભ્યાસ\u003c/span\u003e\u003c/li\u003e\u003cli id=\u0022slides\u0022 class=\u0022 eael-tab-item-trigger eael-tab-nav-item\u0022 aria-selected=\u0022false\u0022 data-tab=\u00222\u0022 role=\u0022tab\u0022 tabindex=\u0022-1\u0022 aria-controls=\u0022slides-tab\u0022 aria-expanded=\u0022false\u0022\u003e\u003ci class=\u0022fas fa-book-open\u0022\u003e\u003c/i\u003e\u003cspan class=\u0022eael-tab-title title-after-icon\u0022\u003eસ્લાઈડસ\u003c/span\u003e\u003c/li\u003e\u003cli id=\u0022videos\u0022 class=\u0022 eael-tab-item-trigger eael-tab-nav-item\u0022 aria-selected=\u0022false\u0022 data-tab=\u00223\u0022 role=\u0022tab\u0022 tabindex=\u0022-1\u0022 aria-controls=\u0022videos-tab\u0022 aria-expanded=\u0022false\u0022\u003e\u003ci class=\u0022far fa-eye\u0022\u003e\u003c/i\u003e\u003cspan class=\u0022eael-tab-title title-after-icon\u0022\u003eવિડિયો\u003c/span\u003e\u003c/li\u003e\u003c/ul\u003e\u003c/div\u003e\u003cdiv class=\u0022eael-tabs-content\u0022\u003e\u003cdiv id=\u0022study-tab\u0022 class=\u0022clearfix eael-tab-content-item active-default\u0022 data-title-link=\u0022study-tab\u0022\u003e\u003cp\u003e\u003cdiv class=\u0027white\u0027 style=\u0027background:rgb(255, 255, 255); border:solid 0px rgb(255, 255, 255); border-radius:0px; padding:0px 0px 0px 1px;\u0027\u003e\u003cdiv id=\u0027text_slider\u0027 class=\u0027owl-carousel sa_owl_theme owl-pagination-true\u0027 data-slider-id=\u0027text_slider\u0027 style=\u0027visibility: visible;visibility:visible;\u0027\u003e\u003cdiv id=\u0027text_slider_slide01\u0027 class=\u0027sa_hover_container\u0027 data-hash=\u0027Defining-the-Problem\u0027 style=\u0027padding:4.9% 5%; margin:0px 0%; background-color:rgb(255, 255, 255); min-height:405px; \u0027\u003e\u003ch3 style=\u0022text-align: left\u0022\u003e\u003cstrong\u003e4.1 સમસ્યાની વ્યાખ્યા\u003c/strong\u003e\u003c/h3\u003e\u003cp\u003e\u003cimg fetchpriority=\u0022high\u0022 decoding=\u0022async\u0022 class=\u0022aligncenter wp-image-77801 size-full\u0022 src=\u0022https://www.5paisa.com/finschool/wp-content/uploads/2022/05/Defining-the-Problem.png\u0022 alt=\u0022Defining the Problem\u0022 width=\u00221080\u0022 height=\u00221080\u0022 srcset=\u0022https://www.5paisa.com/finschool/wp-content/uploads/2022/05/Defining-the-Problem.png 1080w, https://www.5paisa.com/finschool/wp-content/uploads/2022/05/Defining-the-Problem-300x300.png 300w, https://www.5paisa.com/finschool/wp-content/uploads/2022/05/Defining-the-Problem-1024x1024.png 1024w, https://www.5paisa.com/finschool/wp-content/uploads/2022/05/Defining-the-Problem-150x150.png 150w, https://www.5paisa.com/finschool/wp-content/uploads/2022/05/Defining-the-Problem-768x768.png 768w, https://www.5paisa.com/finschool/wp-content/uploads/2022/05/Defining-the-Problem-50x50.png 50w, https://www.5paisa.com/finschool/wp-content/uploads/2022/05/Defining-the-Problem-100x100.png 100w, https://www.5paisa.com/finschool/wp-content/uploads/2022/05/Defining-the-Problem-96x96.png 96w\u0022 sizes=\u0022(max-width: 1080px) 100vw, 1080px\u0022 /\u003e\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003eજ્યારે આપણે પર્સનલ ફાઇનાન્સને તેના સાર સુધી નીચે લઈ જઈએ છીએ, ત્યારે સફળતા ત્રણ ઇન્ટરકનેક્ટેડ ક્ષમતાઓ પર આધારિત છે: નંબરોનું અર્થઘટન કરવું, જોખમનું સંચાલન કરવું અને સામાન્ય અર્થ લાગુ કરવું.\u003c/p\u003e\u003cp\u003eસંખ્યા એ પૈસાની ભાષા છે. જો તમે તેમને વાંચી શકતા નથી, તો તમે તમારી આર્થિક વાસ્તવિકતાનો અર્થ કરી શકતા નથી. રિસ્ક એ તમે વૃદ્ધિ માટે ચૂકવણી કરો છો તે કિંમત છે, અને તેને અપનાવવાની તમારી ઇચ્છા તમે પ્રદેશને કેટલી સમજો છો તેના પર આધારિત છે. સામાન્ય અર્થ, જોકે ઘણીવાર અવગણવામાં આવે છે, તે કંપાસ તરીકે કાર્ય કરે છે જે તમને સંખ્યાઓ આકર્ષક દેખાય ત્યારે પણ લાપરવાહ નિર્ણયો લેવાથી અટકાવે છે.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eનંબરો દ્વારા જોઈ રહ્યા છીએ\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003cp\u003eતમારી ફાઇનાન્શિયલ મુસાફરીના નકશા તરીકે નંબરો વિશે વિચારો. ઉદાહરણ તરીકે, જો તમે દર મહિને ₹80,000 કમાવો છો પરંતુ ₹70,000 ખર્ચ કરો છો, તો સંખ્યાઓ દર્શાવે છે કે તમારી બચત રેટ માત્ર 12.5% છે. આને યોગ્ય રીતે અર્થઘટન કર્યા વિના, તમે ધારી શકો છો કે તમે \u0022પર્યાપ્ત\u0022 બચત કરી રહ્યા છો, જ્યારે વાસ્તવિકતામાં, તમે પોતાને ઇમરજન્સી માટે સંવેદનશીલ બનાવી રહ્યા છો. નંબરો ખોટા નથી, પરંતુ તેમને અર્થઘટનની જરૂર છે.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eરિસ્ક લેવાની ક્ષમતા\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003cp\u003eરિસ્ક જુગાર વિશે નથી; તે ગણતરી કરેલ એક્સપોઝર વિશે છે. બે વ્યક્તિઓની કલ્પના કરો:\u003c/p\u003e\u003cul\u003e\u003cli\u003e6% ઇન્ટરેસ્ટ પર ફિક્સ્ડ ડિપોઝિટમાં ₹10 લાખનું રોકાણ કરે છે.\u003c/li\u003e\u003cli\u003eઅન્ય એક ડાઇવર્સિફાઇડ ઇક્વિટી મ્યુચ્યુઅલ ફંડમાં સમાન રકમનું રોકાણ કરે છે, જે 12% રિટર્નની અપેક્ષા રાખે છે પરંતુ બજારની અસ્થિરતા સાથે.\u003c/li\u003e\u003c/ul\u003e\u003cp\u003eબીજી વ્યક્તિ વધુ રિસ્ક લઈ રહી છે, પરંતુ જો તેઓ માર્કેટ સાઇકલ, વૈવિધ્યકરણ અને લાંબા ગાળાના સંયોજનને સમજે છે, તો તેઓ અનિશ્ચિતતાને સંભાળવા માટે વધુ સારી રીતે સજ્જ છે. જ્ઞાન જોખમમાંથી જોખમને તકમાં રૂપાંતરિત કરે છે.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eકૉમન સેન્સ\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003cp\u003eફાઇનાન્સમાં સામાન્ય સમજ એ સ્પષ્ટ મુશ્કેલીઓ ટાળવાની ક્ષમતા છે. ઉદાહરણ તરીકે, જો કોઈ તમને 30% માસિક રિટર્નનું વચન આપતી \u0022ગેરંટીડ\u0022 સ્કીમ પ્રદાન કરે છે, તો સામાન્ય અર્થમાં લાલ ધ્વજ ઊભા કરવા જોઈએ. તે ઍડવાન્સ્ડ ગણતરીઓ વિશે નથી-તે ફાઇનાન્શિયલ પસંદગીઓને રોજિંદા કારણો લાગુ કરવા વિશે છે.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eશરૂઆતનો મુદ્દો: વાસ્તવિક જીવનની સમસ્યા\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003cp\u003eપર્સનલ ફાઇનાન્સ વિશાળ છે, અને શીખવાની શ્રેષ્ઠ રીત એ છે કે \u003cstrong\u003e\u003cb\u003eરિયલ-લાઇફ ફાઇનાન્શિયલ ચેલેન્જ\u003c/b\u003e\u003c/strong\u003e. ચાલો નિવૃત્તિ આયોજન, સાર્વત્રિક ચિંતાને ધ્યાનમાં લઈએ.\u003c/p\u003e\u003cp\u003eધારો કે તમારી ઉંમર આજે 30 વર્ષ છે, જેમાં 30 વર્ષ કાર્યરત છે. તમે 60 પર નિવૃત્ત થવાની યોજના બનાવો છો અને નિવૃત્તિ પછી અન્ય 25 વર્ષ રહેવાની અપેક્ષા રાખો છો. હાલમાં, તમારા માસિક જીવન ખર્ચ, તમામ બિલ સહિત, ₹70,000 પર આવે છે. તમે નિવૃત્તિ પછી પણ આ જીવનશૈલી જાળવી રાખવા માંગો છો.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eસંદર્ભમાં નંબરો મુકવા\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003cul\u003e\u003cli\u003e\u003cb\u003e\u003c/b\u003e\u003cstrong\u003e\u003cb\u003eવર્તમાન વર્ષ:\u003c/b\u003e\u003c/strong\u003e2026\u003c/li\u003e\u003cli\u003e\u003cb\u003e\u003c/b\u003e\u003cstrong\u003e\u003cb\u003eકાર્યકારી વર્ષ બાકી છે:\u003c/b\u003e\u003c/strong\u003e30\u003c/li\u003e\u003cli\u003e\u003cb\u003e\u003c/b\u003e\u003cstrong\u003e\u003cb\u003eનિવૃત્તિ વર્ષ:\u003c/b\u003e\u003c/strong\u003e2056\u003c/li\u003e\u003cli\u003e\u003cb\u003e\u003c/b\u003e\u003cstrong\u003e\u003cb\u003eનિવૃત્તિ પછીના વર્ષો:\u003c/b\u003e\u003c/strong\u003e25\u003c/li\u003e\u003cli\u003e\u003cb\u003e\u003c/b\u003e\u003cstrong\u003e\u003cb\u003eમાસિક રોકડની જરૂરિયાત:\u003c/b\u003e\u003c/strong\u003e₹70,000\u003c/li\u003e\u003cli\u003e\u003cb\u003e\u003c/b\u003e\u003cstrong\u003e\u003cb\u003eવાર્ષિક રોકડની જરૂરિયાત:\u003c/b\u003e\u003c/strong\u003e₹8,40,000\u003c/li\u003e\u003c/ul\u003e\u003cp\u003eઆનો અર્થ એ છે કે 2056 થી 2080 સુધીના 25 વર્ષ માટે, તમારે તમારી જીવનશૈલીને ટકાવવા માટે દર વર્ષે ₹8.4 લાખની જરૂર પડશે - જો કિંમતો ક્યારેય ન વધે. પ્રથમ નજરમાં, તમે ગણતરી કરી શકો છો:\u003c/p\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003e8,40,000 *25 = \u003c/b\u003e\u003c/strong\u003e₹\u003cstrong\u003e\u003cb\u003e 2,10,00,000\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003cp\u003eતેથી, તમે વિચારી શકો છો કે 2056 સુધીમાં ₹2.1 કરોડ એકત્રિત કરવું પૂરતું છે. પરંતુ આ ભ્રામક છે કારણ કે તે અવગણે છે \u003cstrong\u003e\u003cb\u003eમોંઘવારી\u003c/b\u003e\u003c/strong\u003e, ઇન્વેસ્ટમેન્ટ વૃદ્ધિ, અને બદલાતા ખર્ચ.\u003c/p\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eબ્રેક ડાઉનની સમસ્યા\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003cp\u003eબે મહત્વપૂર્ણ પ્રશ્નો છે:\u003c/p\u003e\u003col\u003e\u003cli\u003e\u003cb\u003e\u003c/b\u003e\u003cstrong\u003e\u003cb\u003eજરૂરી ભંડોળ\u003c/b\u003e\u003c/strong\u003e– ફુગાવો અને લાંબા સમય સુધી ધ્યાનમાં લેતા નિવૃત્તિના પ્રારંભમાં તમને ખરેખર કેટલા પૈસાની જરૂર છે?\u003c/li\u003e\u003cli\u003e\u003cb\u003e\u003c/b\u003e\u003cstrong\u003e\u003cb\u003eસંચય વ્યૂહરચના\u003c/b\u003e\u003c/strong\u003e– તમે તમારા કાર્યકારી વર્ષો દરમિયાન આ કોર્પસ કેવી રીતે બનાવી શકો છો?\u003c/li\u003e\u003c/ol\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eતે શા માટે સરળ નથી\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003cp\u003eજો ફુગાવો વાર્ષિક 6% હોય, તો તમારી ₹70,000 માસિક જરૂરિયાત આજે 2056 સુધીમાં દર મહિને ₹4 લાખથી વધુ હશે. તેનો અર્થ એ છે કે તમારી વાર્ષિક જરૂરિયાત ₹8.4 લાખ નહીં પરંતુ ₹48 લાખની નજીક હશે. 25 વર્ષથી વધુ, તમારો કુલ ખર્ચ ₹26 કરોડથી વધુ થશે. કારણ કે તમે જે પૈસા બચાવ્યા છે તે નિવૃત્તિ દરમિયાન વળતર મેળવતા રહે છે, તમને એક જ દિવસે તે સંપૂર્ણ રકમની જરૂર નથી-પરંતુ આમ પણ, જો તમે નિવૃત્તિ દરમિયાન 6-7% કમાવો છો તો તમારે 60 પર જરૂરી કોર્પસ હજુ પણ આશરે ₹11-12 કરોડ હોવાની સંભાવના છે. તે ₹2.1 કરોડ કરતાં ઘણું મોટું છે.\u003c/p\u003e\u003cp\u003eઆ દર્શાવે છે કે શા માટે નિવૃત્તિ આયોજન ભવિષ્યના વર્ષો દ્વારા આજના ખર્ચને ગુણાકાર કરવા વિશે નથી. તે ફુગાવો, ઇન્વેસ્ટમેન્ટ વળતર અને જીવનની અપેક્ષામાં પરિબળની જરૂર છે.\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003c/div\u003e\u003cdiv id=\u0027text_slider_slide02\u0027 class=\u0027sa_hover_container\u0027 data-hash=\u0027Inflation-and-the-Realities-of-Life\u0027 style=\u0027padding:4.9% 5%; margin:0px 0%; background-color:rgb(255, 255, 255); min-height:405px; \u0027\u003e\u003ch2 style=\u0022text-align: left\u0022\u003e\u003cstrong\u003e4.2 \u003cb\u003eજીવનની વાસ્તવિકતા અને ફુગાવો\u003c/b\u003e\u003c/strong\u003e\u003c/h2\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u003cimg decoding=\u0022async\u0022 class=\u0022aligncenter wp-image-77802 size-full\u0022 src=\u0022https://www.5paisa.com/finschool/wp-content/uploads/2022/05/Inflation-and-the-Realities-of-Life.png\u0022 alt=\u0022Inflation and the Realities of Life\u0022 width=\u00221080\u0022 height=\u00221080\u0022 srcset=\u0022https://www.5paisa.com/finschool/wp-content/uploads/2022/05/Inflation-and-the-Realities-of-Life.png 1080w, https://www.5paisa.com/finschool/wp-content/uploads/2022/05/Inflation-and-the-Realities-of-Life-300x300.png 300w, https://www.5paisa.com/finschool/wp-content/uploads/2022/05/Inflation-and-the-Realities-of-Life-1024x1024.png 1024w, https://www.5paisa.com/finschool/wp-content/uploads/2022/05/Inflation-and-the-Realities-of-Life-150x150.png 150w, https://www.5paisa.com/finschool/wp-content/uploads/2022/05/Inflation-and-the-Realities-of-Life-768x768.png 768w, https://www.5paisa.com/finschool/wp-content/uploads/2022/05/Inflation-and-the-Realities-of-Life-50x50.png 50w, https://www.5paisa.com/finschool/wp-content/uploads/2022/05/Inflation-and-the-Realities-of-Life-100x100.png 100w, https://www.5paisa.com/finschool/wp-content/uploads/2022/05/Inflation-and-the-Realities-of-Life-96x96.png 96w\u0022 sizes=\u0022(max-width: 1080px) 100vw, 1080px\u0022 /\u003e\u003c/p\u003e\u003cp\u003eજો પૈસા કાયમ માટે તેના મૂલ્યને જાળવી રાખે છે, તો નિવૃત્તિ આયોજન સરળ અંકગણિત હશે. તમે નિવૃત્તિ પછી રહેવાની અપેક્ષા રાખતા વર્ષોની સંખ્યાથી આજના વાર્ષિક ખર્ચને વધારી શકો છો, અને જવાબ તમને સ્પષ્ટપણે જણાવશે કે તમને કેટલી જરૂર છે. પરંતુ વાસ્તવિકતા વધુ જટિલ છે કારણ કે \u003cstrong\u003e\u003cb\u003eમોંઘવારી\u003c/b\u003e\u003c/strong\u003e.\u003c/p\u003e\u003cp\u003eફુગાવો એ સમય જતાં કિંમતોમાં ધીમે ધીમે વધારો છે, જે પૈસાની ખરીદ શક્તિને ઘટાડે છે. એક કપ ચા જેની કિંમત ₹10 આજે ₹10.50 થઈ શકે છે આગામી વર્ષે 5% ફુગાવા પર. આ નાનો વધારો ટૂંકા ગાળામાં નજીવો લાગે છે, પરંતુ દાયકાઓથી, તે પૈસાના મૂલ્યમાં નાટકીય રીતે ફેરફાર કરે છે. તેથી જ દાદા-દાદીની વાર્તાઓ ₹50 માટે કરિયાણું ખરીદીને આજે અવિશ્વસનીય લાગે છે.\u003c/p\u003e\u003cp\u003eફાઇનાન્શિયલ આયોજનમાં, ફુગાવાને અવગણવું જોખમી છે. જો તમે ધારી રહ્યા છો કે ₹1 લાખ હંમેશા સમાન સામાન ખરીદશે, તો તમે તમારી ભવિષ્યની જરૂરિયાતોને ઓછું આંકશો. ફુગાવો સુનિશ્ચિત કરે છે કે આજનું ₹1 લાખ 20 અથવા 30 વર્ષમાં ઘણું ઓછું ખરીદશે.\u003c/p\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd width=\u0022190\u0022\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eઆવનારા વર્ષો\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd width=\u002275\u0022\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eવર્ષ\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd width=\u0022426\u0022\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eઆજે ₹1,00,000 ખરીદવાનો ખર્ચ (ફુગાવો @ 5%)\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eસ્પષ્ટીકરણ\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd width=\u0022190\u0022\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003e0 (વર્તમાન)\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd width=\u002275\u0022\u003e\u003cp\u003e2026\u003c/p\u003e\u003c/td\u003e\u003ctd width=\u0022426\u0022\u003e\u003cp\u003e₹1,00,000\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003eવર્તમાન ખરીદ શક્તિ\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd width=\u0022190\u0022\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003e5\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd width=\u002275\u0022\u003e\u003cp\u003e2031\u003c/p\u003e\u003c/td\u003e\u003ctd width=\u0022426\u0022\u003e\u003cp\u003e₹1,27,628\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003eકિંમતોમાં 5 વર્ષમાં ~28% વધારો થાય છે\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd width=\u0022190\u0022\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003e10\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd width=\u002275\u0022\u003e\u003cp\u003e2036\u003c/p\u003e\u003c/td\u003e\u003ctd width=\u0022426\u0022\u003e\u003cp\u003e₹1,62,889\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e10 વર્ષમાં ખર્ચ ~63% વધે છે\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd width=\u0022190\u0022\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003e15\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd width=\u002275\u0022\u003e\u003cp\u003e2041\u003c/p\u003e\u003c/td\u003e\u003ctd width=\u0022426\u0022\u003e\u003cp\u003e₹2,07,893\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e15 વર્ષમાં ડબલ કરતાં વધુ\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd width=\u0022190\u0022\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003e20\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd width=\u002275\u0022\u003e\u003cp\u003e2046\u003c/p\u003e\u003c/td\u003e\u003ctd width=\u0022426\u0022\u003e\u003cp\u003e₹2,65,330\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e20 વર્ષમાં 2.6x કરતાં વધુ\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd width=\u0022190\u0022\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003e25\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd width=\u002275\u0022\u003e\u003cp\u003e2051\u003c/p\u003e\u003c/td\u003e\u003ctd width=\u0022426\u0022\u003e\u003cp\u003e₹3,38,635\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e25 વર્ષમાં 3x થી વધુ\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd width=\u0022190\u0022\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003e30\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd width=\u002275\u0022\u003e\u003cp\u003e2056\u003c/p\u003e\u003c/td\u003e\u003ctd width=\u0022426\u0022\u003e\u003cp\u003e₹4,32,194\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e30 વર્ષમાં 4x કરતાં વધુ\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eઆ ટેબલને કેવી રીતે અર્થઘટન કરવું\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003cul\u003e\u003cli\u003e2036 માં (10 વર્ષ પછી), તમારે જરૂર પડશે \u003cstrong\u003e\u003cb\u003e₹ 1.63 લાખ\u003c/b\u003e\u003c/strong\u003eઆજે ₹1 લાખ જેટલી ખરીદી કરે છે તે ખરીદવા માટે.\u003c/li\u003e\u003cli\u003e2056 (30 વર્ષ પછી) સુધીમાં, સામાનની સમાન બાસ્કેટનો ખર્ચ થશે \u003cstrong\u003e\u003cb\u003e₹ 4.32 લાખ\u003c/b\u003e\u003c/strong\u003e.\u003c/li\u003e\u003cli\u003eઆ દર્શાવે છે કે શા માટે પૈસા જાળવી રાખે છે તેનું મૂલ્ય ગેરમાર્ગે દોરનારું છે. ફુગાવો શાંત રીતે પરંતુ શક્તિશાળી રીતે ખરીદ શક્તિને ઘટાડે છે.\u003c/li\u003e\u003c/ul\u003e\u003cp\u003eફુગાવાની અવગણના \u003cstrong\u003e\u003cb\u003eનિવૃત્તિ આયોજન\u003c/b\u003e\u003c/strong\u003e અથવા લાંબા ગાળાના ફાઇનાન્શિયલ લક્ષ્યોથી ભવિષ્યની જરૂરિયાતોનું ગંભીર મૂલ્યાંકન થાય છે. આજે જે આરામદાયક કોર્પસ જેવું લાગે છે તે દાયકાઓ પછી અપર્યાપ્ત હોઈ શકે છે.\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003c/div\u003e\u003cdiv id=\u0027text_slider_slide03\u0027 class=\u0027sa_hover_container\u0027 data-hash=\u0027Understanding-Future-Value-in-Retirement\u0027 style=\u0027padding:4.9% 5%; margin:0px 0%; background-color:rgb(255, 255, 255); min-height:405px; \u0027\u003e\u003ch3 style=\u0022text-align: left\u0022\u003e\u003cstrong\u003e4.3 \u003c/strong\u003e\u003cstrong\u003e\u003cb\u003eનિવૃત્તિમાં ભવિષ્યના મૂલ્યને સમજવું \u003c/b\u003e\u003c/strong\u003e\u003c/h3\u003e\u003cp\u003e\u003cimg decoding=\u0022async\u0022 class=\u0022aligncenter wp-image-77803 size-full\u0022 src=\u0022https://www.5paisa.com/finschool/wp-content/uploads/2022/05/Understanding-Future-Value-in-Retirement.png\u0022 alt=\u0022Understanding Future Value in Retirement\u0022 width=\u00221080\u0022 height=\u00221080\u0022 srcset=\u0022https://www.5paisa.com/finschool/wp-content/uploads/2022/05/Understanding-Future-Value-in-Retirement.png 1080w, https://www.5paisa.com/finschool/wp-content/uploads/2022/05/Understanding-Future-Value-in-Retirement-300x300.png 300w, https://www.5paisa.com/finschool/wp-content/uploads/2022/05/Understanding-Future-Value-in-Retirement-1024x1024.png 1024w, https://www.5paisa.com/finschool/wp-content/uploads/2022/05/Understanding-Future-Value-in-Retirement-150x150.png 150w, https://www.5paisa.com/finschool/wp-content/uploads/2022/05/Understanding-Future-Value-in-Retirement-768x768.png 768w, https://www.5paisa.com/finschool/wp-content/uploads/2022/05/Understanding-Future-Value-in-Retirement-50x50.png 50w, https://www.5paisa.com/finschool/wp-content/uploads/2022/05/Understanding-Future-Value-in-Retirement-100x100.png 100w, https://www.5paisa.com/finschool/wp-content/uploads/2022/05/Understanding-Future-Value-in-Retirement-96x96.png 96w\u0022 sizes=\u0022(max-width: 1080px) 100vw, 1080px\u0022 /\u003e\u003c/p\u003e\u003cp\u003eવાસ્તવિક રીતે પ્લાન કરવા માટે, આપણે આજના ખર્ચના ભવિષ્યના મૂલ્યની ગણતરી કરવી આવશ્યક છે. ફ્યુચર વેલ્યૂ અમને જણાવે છે કે આજે આપેલ રકમની ખરીદ શક્તિ સાથે મૅચ થવા માટે ભવિષ્યમાં અમારે કેટલા પૈસાની જરૂર પડશે.\u003c/p\u003e\u003cp\u003eચાલો ધારીએ:\u003c/p\u003e\u003cul\u003e\u003cli\u003eવર્તમાન વાર્ષિક જીવનશૈલી ખર્ચ: ₹8,40,000 (₹70,000 દર મહિને)\u003c/li\u003e\u003cli\u003eબાકી કાર્યકારી વર્ષ: 30\u003c/li\u003e\u003cli\u003eનિવૃત્તિનો સમયગાળો: 25 વર્ષ\u003c/li\u003e\u003cli\u003eસરેરાશ ફુગાવાનો રેટ: 5%\u003c/li\u003e\u003c/ul\u003e\u003cp\u003eફોર્મ્યુલા છે:\u003c/p\u003e\u003cp\u003eFV = P * (1+R)\u003csup\u003en\u003c/sup\u003e\u003c/p\u003e\u003cp\u003eજ્યાં:\u003c/p\u003e\u003cul\u003e\u003cli\u003e= વર્તમાન મૂલ્ય (₹8,40,000)\u003c/li\u003e\u003cli\u003e= ફુગાવાનો રેટ (5% અથવા 0.05)\u003c/li\u003e\u003cli\u003e= વર્ષોની સંખ્યા\u003c/li\u003e\u003c/ul\u003e\u003cp\u003eતેથી, પ્રથમ નિવૃત્તિ વર્ષ માટે (2056, 30 વર્ષ દૂર):\u003c/p\u003e\u003cp\u003eએફવી = 8,40,000 * (1.05)\u003csup\u003e30 \u003c/sup\u003e≈ ₹ 36,30,000\u003c/p\u003e\u003cp\u003eઆનો અર્થ એ છે કે 2056 માં સમાન જીવનશૈલી જાળવવા માટે, તમારે તે વર્ષમાં લગભગ ₹36.3 લાખની જરૂર પડશે, ₹8.4 લાખ નહીં.\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003cp\u003e\u0026nbsp;\u003c/p\u003e\u003c/div\u003e\u003cdiv id=\u0027text_slider_slide04\u0027 class=\u0027sa_hover_container\u0027 data-hash=\u0027Estimating-Corpus-with-Inflation\u0027 style=\u0027padding:4.9% 5%; margin:0px 0%; background-color:rgb(255, 255, 255); min-height:405px; \u0027\u003e\u003ch2\u003e\u003cstrong\u003e\u003cb\u003e4.4 - ફુગાવા સાથે કોર્પસનો અંદાજ\u003c/b\u003e\u003c/strong\u003e\u003c/h2\u003e\u003cp\u003e\u003cimg loading=\u0022lazy\u0022 decoding=\u0022async\u0022 class=\u0022aligncenter wp-image-77804 size-full\u0022 src=\u0022https://www.5paisa.com/finschool/wp-content/uploads/2022/05/Estimating-Corpus-with-Inflation.png\u0022 alt=\u0022Estimating Corpus with Inflation\u0022 width=\u00221080\u0022 height=\u00221080\u0022 srcset=\u0022https://www.5paisa.com/finschool/wp-content/uploads/2022/05/Estimating-Corpus-with-Inflation.png 1080w, https://www.5paisa.com/finschool/wp-content/uploads/2022/05/Estimating-Corpus-with-Inflation-300x300.png 300w, https://www.5paisa.com/finschool/wp-content/uploads/2022/05/Estimating-Corpus-with-Inflation-1024x1024.png 1024w, https://www.5paisa.com/finschool/wp-content/uploads/2022/05/Estimating-Corpus-with-Inflation-150x150.png 150w, https://www.5paisa.com/finschool/wp-content/uploads/2022/05/Estimating-Corpus-with-Inflation-768x768.png 768w, https://www.5paisa.com/finschool/wp-content/uploads/2022/05/Estimating-Corpus-with-Inflation-50x50.png 50w, https://www.5paisa.com/finschool/wp-content/uploads/2022/05/Estimating-Corpus-with-Inflation-100x100.png 100w, https://www.5paisa.com/finschool/wp-content/uploads/2022/05/Estimating-Corpus-with-Inflation-96x96.png 96w\u0022 sizes=\u0022(max-width: 1080px) 100vw, 1080px\u0022 /\u003e\u003c/p\u003e\u003cp\u003eહવે ચાલો આ ગણતરી તમામ 25 નિવૃત્તિ વર્ષોમાં વધારીએ. દર વર્ષે, ફુગાવો જરૂરી રકમ વધારે છે.\u003c/p\u003e\u003ctable\u003e\u003ctbody\u003e\u003ctr\u003e\u003ctd width=\u0022159\u0022\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eનિવૃત્તિ વર્ષ\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd width=\u002293\u0022\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eવર્ષ\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eવર્ષો દૂર\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eઆજના મૂલ્યમાં વાર્ષિક ખર્ચ\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003eફુગાવો-સમાયોજિત વાર્ષિક ખર્ચ (5%)\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd width=\u0022159\u0022\u003e\u003cp style=\u0022text-align: center\u0022\u003e\u003cstrong\u003e\u003cb\u003e1\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022 width=\u002293\u0022\u003e\u003cp\u003e2056\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e30\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e8,40,000\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e36,30,000\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd width=\u0022159\u0022\u003e\u003cp style=\u0022text-align: center\u0022\u003e\u003cstrong\u003e\u003cb\u003e2\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022 width=\u002293\u0022\u003e\u003cp\u003e2057\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e31\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e8,40,000\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e38,12,000\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd width=\u0022159\u0022\u003e\u003cp style=\u0022text-align: center\u0022\u003e\u003cstrong\u003e\u003cb\u003e3\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022 width=\u002293\u0022\u003e\u003cp\u003e2058\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e32\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e8,40,000\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e40,03,000\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd style=\u0022text-align: center\u0022 width=\u0022159\u0022\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003e4\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022 width=\u002293\u0022\u003e\u003cp\u003e2059\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e33\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e8,40,000\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp style=\u0022text-align: center\u0022\u003e42,03,000\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd width=\u0022159\u0022\u003e\u003cp style=\u0022text-align: center\u0022\u003e\u003cstrong\u003e\u003cb\u003e5\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022 width=\u002293\u0022\u003e\u003cp\u003e2060\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e34\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e8,40,000\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e44,13,000\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd width=\u0022159\u0022\u003e\u003cp style=\u0022text-align: center\u0022\u003e\u003cstrong\u003e\u003cb\u003e6\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022 width=\u002293\u0022\u003e\u003cp\u003e2061\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e35\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e8,40,000\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e46,33,000\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd width=\u0022159\u0022\u003e\u003cp style=\u0022text-align: center\u0022\u003e\u003cstrong\u003e\u003cb\u003e7\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022 width=\u002293\u0022\u003e\u003cp\u003e2062\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e36\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e8,40,000\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e48,65,000\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd style=\u0022text-align: center\u0022 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style=\u0022text-align: center\u0022\u003e\u003cp\u003e8,40,000\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp style=\u0022text-align: center\u0022\u003e53,64,000\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd width=\u0022159\u0022\u003e\u003cp style=\u0022text-align: center\u0022\u003e\u003cstrong\u003e\u003cb\u003e10\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022 width=\u002293\u0022\u003e\u003cp\u003e2065\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e39\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e8,40,000\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e56,32,000\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd width=\u0022159\u0022\u003e\u003cp style=\u0022text-align: center\u0022\u003e\u003cstrong\u003e\u003cb\u003e11\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022 width=\u002293\u0022\u003e\u003cp\u003e2066\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e40\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e8,40,000\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e59,14,000\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd width=\u0022159\u0022\u003e\u003cp style=\u0022text-align: center\u0022\u003e\u003cstrong\u003e\u003cb\u003e12\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022 width=\u002293\u0022\u003e\u003cp\u003e2067\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e41\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e8,40,000\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e62,09,000\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd width=\u0022159\u0022\u003e\u003cp style=\u0022text-align: center\u0022\u003e\u003cstrong\u003e\u003cb\u003e13\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022 width=\u002293\u0022\u003e\u003cp\u003e2068\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e42\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e8,40,000\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e65,20,000\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd style=\u0022text-align: center\u0022 width=\u0022159\u0022\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003e14\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022 width=\u002293\u0022\u003e\u003cp\u003e2069\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e43\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e8,40,000\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp style=\u0022text-align: center\u0022\u003e68,46,000\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd style=\u0022text-align: center\u0022 width=\u0022159\u0022\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003e15\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022 width=\u002293\u0022\u003e\u003cp\u003e2070\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e44\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e8,40,000\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp style=\u0022text-align: center\u0022\u003e71,88,000\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd width=\u0022159\u0022\u003e\u003cp style=\u0022text-align: center\u0022\u003e\u003cstrong\u003e\u003cb\u003e16\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022 width=\u002293\u0022\u003e\u003cp\u003e2071\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e45\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e8,40,000\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e75,47,000\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd style=\u0022text-align: center\u0022 width=\u0022159\u0022\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003e17\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022 width=\u002293\u0022\u003e\u003cp\u003e2072\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e46\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e8,40,000\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp style=\u0022text-align: center\u0022\u003e79,25,000\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd width=\u0022159\u0022\u003e\u003cp style=\u0022text-align: center\u0022\u003e\u003cstrong\u003e\u003cb\u003e18\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022 width=\u002293\u0022\u003e\u003cp\u003e2073\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e47\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e8,40,000\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp style=\u0022text-align: center\u0022\u003e83,21,000\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd style=\u0022text-align: center\u0022 width=\u0022159\u0022\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003e19\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022 width=\u002293\u0022\u003e\u003cp\u003e2074\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e48\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e8,40,000\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp style=\u0022text-align: center\u0022\u003e87,37,000\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd style=\u0022text-align: center\u0022 width=\u0022159\u0022\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003e20\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022 width=\u002293\u0022\u003e\u003cp\u003e2075\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e49\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e8,40,000\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp style=\u0022text-align: center\u0022\u003e91,74,000\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd style=\u0022text-align: center\u0022 width=\u0022159\u0022\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003e21\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022 width=\u002293\u0022\u003e\u003cp\u003e2076\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e50\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e8,40,000\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp style=\u0022text-align: center\u0022\u003e96,33,000\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd style=\u0022text-align: center\u0022 width=\u0022159\u0022\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003e22\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022 width=\u002293\u0022\u003e\u003cp\u003e2077\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e51\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e8,40,000\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp style=\u0022text-align: center\u0022\u003e1,01,14,000\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd width=\u0022159\u0022\u003e\u003cp style=\u0022text-align: center\u0022\u003e\u003cstrong\u003e\u003cb\u003e23\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022 width=\u002293\u0022\u003e\u003cp\u003e2078\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e52\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e8,40,000\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e1,06,20,000\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd style=\u0022text-align: center\u0022 width=\u0022159\u0022\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003e24\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022 width=\u002293\u0022\u003e\u003cp\u003e2079\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e53\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e8,40,000\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp style=\u0022text-align: center\u0022\u003e1,11,51,000\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003ctr\u003e\u003ctd style=\u0022text-align: center\u0022 width=\u0022159\u0022\u003e\u003cp\u003e\u003cstrong\u003e\u003cb\u003e25\u003c/b\u003e\u003c/strong\u003e\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022 width=\u002293\u0022\u003e\u003cp\u003e2080\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e54\u003c/p\u003e\u003c/td\u003e\u003ctd style=\u0022text-align: center\u0022\u003e\u003cp\u003e8,40,000\u003c/p\u003e\u003c/td\u003e\u003ctd\u003e\u003cp style=\u0022text-align: center\u0022\u003e1,17,09,000\u003c/p\u003e\u003c/td\u003e\u003c/tr\u003e\u003c/tbody\u003e\u003c/table\u003e\u003cp\u003eઆ ફુગાવા-સમાયોજિત મૂલ્યોનો સારાંશ આપીને, નિવૃત્તિના 25 વર્ષથી વધુનો તમારો કુલ ખર્ચ થાય છે \u003cstrong\u003e\u003cb\u003eલગભગ ₹17.3 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