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Retirement Plans: Check Net Return Before Investing
Business Standard
|September 01, 2025
"Invest ₹1 lakh yearly, get ₹2 lakh annually." Doesn't this also sound like a great investment?
You pay ₹1 lakh every year for 15 years, and then receive ₹2 lakh annually for the next 15 years, effectively doubling your investment.
If you are a salaried employee in your early to mid-forties, this may strike a chord. One of your biggest worries perhaps is managing expenses after retirement. Retirement-focused products that promise certainty can therefore look attractive.
Appeal of guaranteed returns
These products are simple, transparent and easy to understand. The returns are guaranteed, and locking into a fixed rate feels reassuring at a time when deposit rates are declining. They also come with a small life cover.
Their biggest appeal lies in clarity: you know in advance how much you will pay, how long you will pay, the deferment period, what you will receive once payouts begin, and for how long.
This story is from the September 01, 2025 edition of Business Standard.
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