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શું તમે સાંભળ્યું છે એવા પ્લાન વિશે જે વીમા કવચ તો આપે પણ સાથે સાથે સંપત્તિનું સર્જન પણ કરે? ઈન્ડિયાફર્સ્ટ લાઈફ રેડિયન્સ સ્માર્ટ ઈન્વેસ્ટ પ્લાન સાથે 1 પ્લાનમાં મેળવો 2 લાભ.
તમારા રોકાણ પર 7ગણું વળતર મેળવવાનો ઉપાય વિચારો છો? તમારી શોધ અહીં પૂરી થાય છે! આ સિંગલ ચૂકવણી પ્લાન સાથે, તમે તમારા નાણાંકીય લક્ષ્યાંકો સિદ્ધ કરી શકો છો
આપણાં સ્વપ્નોને પૂરા કરવા જો આપણી પાસે આવકનો બીજો સ્ત્રોત હોય તો કેટલું સારું થાય? પ્રસ્તુત છે તમારા સ્વપ્નને સાચા કરવાનો રસ્તો જેમાં તમે પહેલાં મહિનાના અંતથી જ કમાણી કરવાનું શરૂ કરી શકો છો.
How do Retirement Calculators work?
નોલેજ સેન્ટર
બધુ જુઓ
The IndiaFirst Life immediate annuity calculator uses the following factors to give you estimates of the pension amount.
Immediate Annuity formula calculator considers below variables for results:
• Starting Age for investment
• Starting Principal amount/ Investment amount
• Your expected Rate of return on investment
• Your Life expectancy age
For optimal utilization of the IndiaFirst Life Immediate Annuity Calculator, it is imperative to be familiar with the eligibility criteria specified for IndiaFirst Life Annuity Plans.
Immediate annuity calculator example:
Amish, a 40-year-old bank employee wants to plan for his retirement. His savings amount to Rs. 1,50,000 lakhs.
If he invests in an immediate annuity that offers 8% interest for 25 years, the annuity payout calculator shows an immediate annual payout of Rs. 14,051.
Immediate annuity rates depend upon many factors such as your age, the amount you wish to invest, payout period, annual interest rate, and the payout frequency of payments (monthly, quarterly, yearly).
For example, if you are 40 years, wanting to invest Rs. 1.5 lakh for 25 years, at 8% interest, the immediate annuity plan calculator will estimate an annual earning of ₹ 14,051 for the tenure.
Depending upon the option you choose, an annuity can last you a lifetime.
Yes, it is a wise retirement plan as the returns start immediately and it gives you a lifetime guaranteed income that is not affected by market volatilities.
If you want a low-risk investment with stable returns, a fixed annuity is the best investment.
Immediate annuity plans in India offer a good rate of 7.6-8.1%. However, these could change basis government stipulations.
There are 4 different types of annuities – Immediate Annuity, Deferred Annuity, Fixed Annuity, and Variable Annuity.
The annuity plan calculator uses an annuity formula:
PMT = cash payment period
r = the interest rate per period
n = the total number of period
Given these variables, the formula is:
Present Value = PMT x [1%, (Life expectancy age – current age), starting principal,0,0]
To calculate interest on an annuity, start with the principal amount (the money invested) and the agreed annual interest rate. Adjust the interest rate based on payment frequency (e.g., dividing it by 12 for monthly payments). Multiply the adjusted rate by the remaining principal to find the interest portion of each payment. For instance, if your annuity has a principal of ₹10,00,000 and an annual interest rate of 6%, the monthly interest rate is 0.5% (6% ÷ 12). Multiply this rate by the principal to get the monthly interest. Repeat this process as the principal reduces with each payment.
You can invest any amount in an immediate annuity. This amount will depend on your:
o Immediate actual and potential financial needs
o Long-term financial goals
o Current savings/investment portfolio
IndiaFirst Life allows you to choose your retirement age between 40 and 80 years. However, you can apply for the plan when you are 18 years.
The monthly payout from a ₹1,00,000 annuity depends on factors such as the type of plan, interest rates, and payout duration. Assuming a 6% annual interest rate, the monthly payment could range between ₹500 and ₹1000, depending on terms such as lifetime or fixed-period payouts.
Ultimately, factors such as current annuity rates and payout duration, significantly affect monthly income, making it essential to use tools such as an annuity deposit calculator for accurate estimates.
You can rely on an annuity calculator as a foundation for planning your annuity investments. These tools can provide quick and accurate estimates, helping you make informed decisions.
However, while calculators simplify the process, they cannot account for all nuances, such as inflation, changes in annuity rates, or personal financial goals. For instance, if your retirement involves additional expenses, such as medical care, consulting an advisor can ensure those factors are integrated into your plan.
Think of the calculator as a guide to explore scenarios and compare plans. For comprehensive financial planning, use it alongside professional advice to secure a stable and predictable retirement income.
Annuity calculators are considered to be highly accurate for initial estimates, as they rely on standard formulas and user inputs. These tools consider variables, such as the deposit amount, interest rates, and payout durations, to provide projections.
Real-world factors such as market fluctuations, tax implications, and inflation, can affect the final payouts. Additionally, some calculators may not account for riders or add-ons, such as inflation protection, which can influence the results.
For precise planning, you can use the calculator as a starting point and review the results with a financial advisor. Combining the tool’s convenience with expert advice can ensure a well-rounded retirement strategy tailored to your needs.
Most online annuity calculators are free to use, especially those provided by IndiaFirst Life. Our calculators are designed to simplify complex calculations, helping you estimate payouts without additional costs.
By leveraging free annuity plan calculators, you can explore multiple scenarios and customise your inputs to align with your retirement goals. While free tools are accurate for basic projections, consult a financial advisor for a more comprehensive analysis if needed.
Excel simplifies annuity calculations using the PMT function. The formula is:
=PMT(rate, nper, pv)
Where:
rate is the interest rate per period
nper is the total number of payment periods
pv is the present value or initial deposit
For example, to calculate monthly payouts for a ₹1,00,000 annuity with a 6% annual rate over 10 years:
Use a monthly rate (6% ÷ 12 = 0.005).
Input the total periods (10 × 12 = 120 months).
The formula becomes = PMT (0.005, 120, -100000) and returns an estimated monthly payout.
Annuity calculations are essential for effective retirement planning. They help individuals understand how much income they can expect from their savings, enabling better financial decision-making. By calculating annuities, you can align your investments with your post-retirement lifestyle and expenses, ensuring a steady cash flow.
Calculating annuities highlights the impact of market factors such as interest rates and inflation on your future income. Using tools, such as an annuity plan calculator, simplifies this process, offering precise estimates and peace of mind.
Annuity value refers to the total worth of an annuity, either as a lump sum (present value) or the sum of all future payments (future value). It is determined by factors such as the deposit amount, interest rate, and payout duration.
For instance, if you invest ₹10,00,000 in a deferred annuity, the present value is ₹10,00,000. After compounding at 6% annually over 15 years, the future value may grow to ₹23,96,000.
Using an annuity calculator can provide instant insights into this value based on current annuity rates and your inputs.
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આઈઆરડીએઆઈ ઈન્શ્યોરન્સ પોલિસીના વેચાણ, બોનસની ઘોષણા અથવા પ્રીમિયમના રોકાણ જેવી પ્રવૃત્તિઓમાં સંકળાયેલા નથી. આ પ્રકારના ફોન કોલ્સ મેળવતી જાહેર જનતાને પોલીસમાં ફરિયાદ નોંધાવવા વિનંતી.
12 અને 13મો માળ, નોર્થ(સી) વિંગ, ટાવર 4, નેસ્કો આઈટી પાર્ક, નેસ્કો સેન્ટર, વેસ્ટર્ન એક્સપ્રેસ હાઈવૅ, ગોરેગાંવ(પૂર્વ), મુંબઈ-400063.
આઈઆરડીએઆઈ રજી. નં. 143। સીઆઈએનઃયુ66010એમએચ2008પીએલસી183679 અહીં પ્રદર્શિત ટ્રેડ લોગો અમારા પ્રમોટર અને શેરધારકોમાંના એક બેંક ઑફ બરોડાનો છે અને લાઈસન્સ હેઠળ ઈન્ડિયાફર્સ્ટ લાઈફ ઈન્શ્યોરન્સ કંપની લિમિટેડ દ્વારા તેનો ઉપયોગ કરવામાં આવે છે.
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