Investment and Tax planning after Retirement
Class on 8th Dec 2020 , IICM
Namskar Dosto
Aap sab ka es online meeting me swagat hai.
Mai Ajit Kumar Singh, 2017 me CMPDI se GM Finance ke
post se retire ho
Aap log jo es meeting me hain wo bhi jaldi hi retire
hone wale hain. Coal
Jab hm kisi company me join krte hain to kab mera
retirement hoga yah pahle se pata rahta hai , to hmlog me se jyada log pahle se
hi planning kar liye hote hain.
Sabse badi chinta paise ki manaement aur Income
Tax ki hai. yah hmlogon ka saubhagya hai
ki hmlog Coal
Karib 30 saal ke naukri me retirement tak aap ne
achha khasa bachat kar liye honge , aap ke PF me achhi rakam hogi, pension bhi
achha milega , nps aur PPF me bhi aap ne bachat ki hogi , kul mila kar retirement
ke samay etna paisa jarur mil raha hai ki aap ke baanki ke 30 saal aaram se
gujar sake.
Coal India se retirement lene wale ek ausat adhikari
ko lagbhag 80 lakh se 1 crore aaj ke samay me jrur mil jaati hai jaise ki
Gratuity se 20 lakh - Tax free
Leave encashment se karib 10 15 lakh 3 lakh tax free
PF 60 se 80 lakh agar koi loan nahi liye tab bhi ,
es trah lump sum ke rup me 80 lakh se 1 crore to mil hi jaati hai
ek ausat adhikari ko pension ke rup me bhi ab 45 se
60 hazar har mahina milti . es pension ko agar ham working capital samjh le tab
bhi es umr me ghar chalane ke liye etni rakam achhi khaasi hai kyonki jin
adhikariyon ne shuru me achhi planning ki thi unko naa ab koi emi dena hai na
ghar ke liye TV fridge ya jaruri saman kharidna hai, naa hi bachho ka school
fee aadi deni hai yaani ki liability free
zindgi .
Lekin sawal etna hi nahi hai . CMPF ka pension flexible
nahi, fix hai matlab jitna aap ko aaj
mil rahi hai utna hi aap ko 10 saal baad, 30 saal baad bhi milegi , es hisab se
pension ka jo aaj value hai wo aage nahi rahegi ( aur aap ke Lumpsum 80 lakh - 1 crore ka
value bhi kam hoga ) tab mahgai badne ke
chalte kewal pansion se ghar chalana muskil hogi esliye jaruri hai ki aap ko jo
lump sum 80 lakh se 1 crore milega uska sahi dhang se nivesh kiya jaaye taaki
paise ki value brakrar rahe aur aap retirement ki pahle wali life style ji
saken.
Esliye sawal hai ki jo lump sum mila hai uska
management kaise karen.
es sawal ka jawab har aadmi ke liye alag alag ho
sakti hai.
kripya paper par note kren . jaruri nahin ki sab koi
isko follow kren kyonki sabki apni alag alga case hai
Retire hone par :
Sabse pahle mai yah slah dunga ki aap chahe jahan
nivesh kren , jitna nivesh kren apni ptni ko jrur bhagidaar banaye aur sab baat
unse share kren. Apne saare paper ko sahej kr rakhe. Behtar hoga alag alga
paper ko alag alag plastic ke folder me rakhen aur folder ko marking kar den
jaise ki jamin aur makan ka paper, nivesh ka paper, dawai, elaaj aur medical bill
ka paper, aadi.
Saare cheezo ka password ek file me save karke rakh
len jaise bank a/c , nivesh aadi ka paasword. Apni ptni ko bhi etna jrur bta
den ki aap ne kahan aur kitna invest kiya hai aur kis agent se. insurance kitna
hai aadi aadi taki kabhi kuch anhoni hone pr aap ki ptni baad me sambhal sake,
1. saare loan agar kuch hai to wapas kar den jaise
car loan , aadi
2. Kya
aap nps , ppf aadi me 1.50 lakh tak har
saal invest krte hain , agar haan to
agar home loan aur bachho ki padai loan agar hai to wo bhi wapas kr den ya
Bachho ki kamai se study loan ka tax rebate bachho ko lene den.
3. agar PPF ya NPS ya 80C me bachat ke kuch nahi hai
to home loan me etna rakhe ki har saal 1.50 lakh tak rebate le saken . Loan ka
Banki amount wapas kar den.
4. 60 saal ke baad aap nps ya ppf nahi le sakte aur
faida bhi nhi hai kyonki 15 saal ka lock in period hota hai isme . 15 saal aap paisa nikal nhin sakte.
5. Agar NPS , PPF , Home Loan kuch nahi hai tab aap
ko tax bachane ke liye 2 upay hai
1.5 lakh ka ELSS mutual Fund aur apni family ke liye
health Insurance le lijiye. Aap kahenge ki Coal
6. Agar aap
Bank FD karna Chahte hai to apne naam se 8 lakh se jyada n kren kyonki agar 6%
interest bhi maan lete hain to saal bhar me
Rs. 48000 tak interest hoti hai . Sr citizen ko FD interest par 50K tak
section TTB me chut milti hai. Baaki rakam taxable hogi. Agar Aap ki ptni bhi
sr citizen hai tb alag se unke naam se FD 8 lakh FD kr sakte hain taaki unko
bhi 80TTB me chut mile.
7. aapki patni ka agar PAN card nahi hai to aaj hi bnwa
len aur Bank account bhi alag se khol len
sath hi 0 Tax return bhi file karwa len agar sambhav ho to. 2018-19 ka tax
return kuch penalty ke sath abhi bhi bn raha hai .
8. Apni patni ke naam se bhi FD kar sakte hai ya MF
me invest kr sakte hain , isse aap ki Tax Bachegi
Ab retire ke baad aap ki Taxable Income dekhni hai :
Maan lijiye aap ko har mahine 50000 pension milti
hai aur 30000 ki alag se kamai hai jaise FD interest,PMVVY se MIS , SR citizen
interest, rent, dividend etc total 80000 har mahina matlab 960000 saal bhar
me ya kahiye ki 10 lakh sal bhar me
New tax rate applicable from FY 20-21 AY 21-22
(only if you do not claim rebate or deductions)
first 2.5 lakh- 0% (Even for Sr Citizen)
2.50 lakh -5
lakh 5%
5 lakh 7.50
lakh 10%
7.50 lakh 10 lakh 15%
10 Lkah 12.50 Lakh 20%
12.50 se 15lakh
25%
15 lakh se upar 30%
Tax slab rate (if you claim deductions or rebate)
first 2.5 lakh- 0% (Even for Sr Citizen)
2.50 lakh -5
lakh 5%
5 lakh 10
lakh 20%
10 lakh and above 30%
Es saal yaani
FY 20-21 (AY 21-22) Tax me 2 viklp hai
1. koi chut naa le (Not claiming any rebate applicable above slab
rate)
Agar 10 lakh aap ki income hai aur koi chut nahi
lete hain to Taxable income bhi 10 lakh
hi hogi. Aur 10 lakh par tax hua
12500+25000+37500=75000 *.04(cess)= Rs.78000
First 2.50
lakh =0
2.50 to 5 lakh (5%)= 12500
5 – 7.5 lakh (10%)= 25000
7.50 -10 lakh(15%)=37500
Total 75000 +4% cess=78000
2. Aur dusra viklp hai saare chut lete rahen yaani 80c me 1.50 lakh tak aur nps me extra 50k chut
len sath hi std. deduction 50000 ka bhi anand lijiye , tab 10 lakh income par
aap ki taxable income hogi 7.5 LAKH
agar aap koi chut nahi lete hain to 10 lakh pr aap
ko tax dena hoga 78000
aur chut (rebate) lete hain to aap ka tax hua
First 2.50 lakh =0
2.50 lakh – 5 lakh (5%) = 12500
5 lakh-7.5 lakh (20%) =50000
Total 62500*.04 (cess)=65000
Lekin chut lene par aap ki taxable income 7.5 lakh
hogi esliye aap ka tax hoga 12500+50000=62500*.04=65000
Es trah purane scheme me aap ko 13000 kam (less) tax
dena hoga aur bachat par vyaj bhi milegi , agar 2 LAKH bachat par 8% bhi maan
len to aap ko saal bhar me 16000 ki atrikt aadmdani hogi jo har saal compounding hone par bahut jyada
hote jayegi
Esliye behtar hai ki aap bachat kren jo aap ke hi
kaam aayegi , yaad rakhiye bachat kewal Tax mei chut lene ke liye hi nahi kiya jaata hai blki bachat ka
mukhya udeshya haa wealth
creation .
agar aap ki income 1 lakh har mahina hai yaani 12
lakh saal bhar me hai to naye scheme me
aap ka tax hota hai 119600
12500+75000+40000=115000*.04 (cess)=119600
First 2.50 lakh =0
2.50 lakh – 5 lakh (5%) = 12500
5 lakh-7.5 lakh (10%) =25000
7.50 -10 lakh (15%)= 37500
10 -12 lakh (20%)=40000
Lekin chut (rebate) lene par (1.5lakh 80C+50000 NPS,
+50000 std deduction) taxable income 950000
hogi aur tax hogi
First 2.50 lakh =0
2.50 lakh – 5 lakh= 12500
5 lakh-7.5 lakh (20%) =50000
7.50 -9.5 lakh (20%)= 40000
102500 *.04 (cess) =106600 yaani 13600 kam aur 2
lakh saving par @8% interest =16000 interest bhi jo ki compounding hote rahega
Isliye chut wali option hi sahi hai , tax bhi kam ,
bachat ki aadat bhi aur wealth generation bhi.
Esliye behtar hai ki aap bachat kren jo aap ke hi
kaam aayega , yaad rakhiye bachat kewal Tax mei chut lene ke liye hi nahi kiya jaata hai blki bachat ka
mukhya udeshya haa wealth creation .
1 crore lumpsum ka management :
Aap ke lumpsum fund ka management ke liye 2 ways hai
, behtar hai ki dono ways ko follow Karen.
1. No Risk way
2. Risk way (High , low and moderate risk)
Make a balanced approach of
Investment by mixing both non risk investment and risk investment to reap
maximum benefits
No Risk Investment :
1. Rs. 15 lakh PMVVY – 10
saal ka lock in period hai. 7.4% interest rate hai annual lene par effective
7.66% hoti hai . ek baar lene par wahi
interest rate 10 saal chalti hai , matlab sr citizen scheme ke tarah har 3
mahine par interest rate revise nahi hoti . lekin koi tax chut nahi . agar aap
bachat nahi krte to taxable income badhegi aur effective return kam hi hoga .
Kewal LIC se hi le sakte hain.
2. 15 Lakh Sr Citizen scheme : isme 15 lakh tak invest kar sakte hain ,5
saal ka lock in period hota hai. Uske baad 3 saal aur badha sakte hain
(optional). Abhi 7.4% interest rate hai.
Post office aur bank me uplabdh hai .
interest rate har 3 mahina me badal jaati hai .
abhi ka interest rate hai 7.4% per quarter. income tax me chut 80c ke
andar 1.50 lakh tak hai . lekin interest income taxable hai, waise 80TTB ke
andar 50k tak dikha sakte hain .
Waise coal
Es scheme me chahe to har saal 1.50 lakh nivesh kar
sakte hain aur har saal tax benefit le sakte hain. Lekin total investment 15
lakh se jyada naa ho . lekin har 3 mahine interest bhi badalti rahi hai isliye
dekh kar invesh kar sakte hain.
3. 15 Lakh FD me apne aur patni ke naam alag alag taaki aap
dono milkar 1 lakh tak sud ka rebate paa saken har saal. Income tax me interest
par 50000 tak chut section 80TTB par milti hai .
Risk MF Investment :
High Risk MF Scheme
15 lakh Equity mutual fund
for more than 7 years. Isme karib 14% se 18% return milti hai lekin stock
market ki volatility hai aur highly risky hai. Jaise ELSS fund Multicap fund,
small cap fund, Long term equity Fund aadi. Long term Capital gain hone aur
Indexation benefit milne ke chalte gain par Tax bahut kam hoti hai.
Low Risk MF Investment :
15 lakh in very low risk mutual fund like Saving Fund
scheme , Govt Bond fund scheme , Corporate Bond Fund scheme. Low duration
/Overnight fund scheme etc.
Es tarah ke MF me bahut kam risk hai aur return
karib 8% tak milti hai .
Mid Risk MF Investment :
20 lakh Debt-Equity (Balanced) Fund me, jaise ki
Tata Retirement Saving fund bahut achhi hai . ye karib 12% tak return deti hai.
Aap isme agar 20 lakh invest krte haain aur har mahine 12 se 15000 ka swp (systematic
withdrawal plan ) lete hain for monthly income
then 5 saal ke baad aap ko 22 se
23 lakh wapas alag se mil jaati hai yaani ki har mahine monthly income bhi aur
capital appreciation bhi .
Agar aap Monthly Income ke liye Monthly Dividend
option lena chahte hain to apne naam se bilkul n len chahe to wife ke naam se
le sakte hain agar unki taxable income kam hai. kyonki es saal se dividend apke
slab rate se taxable hogi, matlab aap ki income ke hisab se jo tax rate hai usi
rate pr dividend pr tax kategi
aap apne liye SWP yani Systematic Withdrwal Plan le
lijiye , isse har mahine income bhi hogi aur Tax bahut kam dena padega kyonki SWP
par Indexation benefit milti hai
5 Lakh aap apne paas kisi emergency ke liye rakhen
bank a/c mei taaki emergency me kaam aaye
Es tarah aap ke 1 crore ka plan ho
Aap no risky aur
risky investment ko apni risk apetite ke anusar adjust kr sakte hain .
Dhyan rakhe aap Coal india se ek adhikari ke rup me
retire ho rahe hain , retire hone ke baad bhi aap ko 2 saal tak kuch na kuch
arrear ke rup me milti rahegi jaise PRP , NPS aadi , ye sab aap ka income
Badhayega aur 80c me bachat ke rup me kuch nhi rahega agar PPF / NPS aadi alag
se nahi liye hai to , isliye maine salah diya ki home loan aadi kuch saal rahne
dijiye. 2 saal ke baad agar aap ko arrear milna bnd ho jaata hai aur aap ki taxable income kam ho jaati hai tab
aap 80C aadi me bachat layak rakh kar baanki Home loan wapas kar sakte hain
ek baat aur aap chahe kitne bhi Genious hain apna
tax return kisi jaan kar ache CA se karwana
hi uchit hai kyonki 1000 - 1500 ka fees dekar aap 20- 25 hazar ka chut yani benefit ka tips le sakte hain aur future Tax jhamela se bhi bach sakte hain .
apne jiwan ka bharpur aanand len. Naukri ke chalte
jo shauk pura na kar sake thei wo ab pura kren . jaise sangeet , tabla ,
harmonium , painting aadi . bachho ki shaadi ho chuki hai to aap alag se rahen
aur bachho ko unki zindgi zine den, vyarth unke kaam ya jhgdon me aap panchayti
naa kren . aap unko aarthik sahyog chahe
to de sakte hain , unka dhyan rakh sakte hain lekin ek sima tak hi .
Agar aap ka koi prshan hai kuch puchna hai query hai
to
Aap hamko whatsapp kar sakte hai
Ajit Kumar Singh
9470307730 (whatsapp)
Near CMPDI gate
Behind IDBI bank
Ranchi-834008
Shubhkamnaye
प्रस्तुतकर्ता Ajit @ 6:57 pm
0 टिप्पणियाँ
0 टिप्पणियाँ:
एक टिप्पणी भेजें
सदस्यता लें टिप्पणियाँ भेजें [Atom]
<< मुख्यपृष्ठ