Pakistan main retirement planning ko aksar ignore kiya jata hai. Majority Pakistanis ki retirement main koi pension nahi hoti. Government employees ko pension milti hai lekin private sector main Employees Old-Age Benefits Institution (EOBI) sirf basic pension provide karta hai jo aaj ke mahangai main kaafi nahi hai.
Retirement planning kay 3 pillars: (1) Social security (EOBI/pension), (2) Personal savings, (3) Investment income. 2026 main inflation 15-25% hai - yani retirement ke baad bhi aap ki savings ki purchasing power girti rahegi. Is liye investments ka hona zaroori hai jo inflation beat karein.
25x rule: Apne yearly expenses ka 25x corpus retirement ke waqt hona chahiye. Agar monthly expenses Rs. 50,000 hain to yearly Rs. 600,000, 25x = Rs. 1.5 crore. Is corpus ko 4% withdrawal rate par use karein to 30+ years chal sakta hai. Pakistan main 4% rule adjust karna hoga kyunke inflation zyada hai.
Practical steps: (1) Apni current age aur retirement age ka gap calculate karein, (2) Monthly saving amount decide karein, (3) Mutual funds/stock market main SIP start karein, (4) Real estate purchase karein, (5) Gold accumulate karein, (6) Life insurance consider karein, (7) Health insurance plan banye. Jitna jaldi start karein, utna better - 25 saal ki age main Rs. 5000/month ka SIP 60 saal main Rs. 2 crore+ ban sakta hai.
?? Calculate Retirement Goal