# NZ में Retire होने के लिए कितना चाहिए?
"Retire होने के लिए कितना चाहिए?" - यह retirement planning के बारे में सबसे common question है। One-size-fits-all answer नहीं है, लेकिन हम realistic frameworks provide कर सकते हैं।
NZ Super Foundation
पहले, याद रखें कि सभी eligible NZ residents को 65 से NZ Super मिलती है:
- •Single, alone रहने वाले: ~$27,000 per year (after tax)
- •Couple, दोनों eligible: ~$41,000 per year combined (after tax)
यह आपकी baseline है। Question है: कितनी additional income चाहिए?
Retirement Lifestyle Levels
No Frills Retirement
Basic living (bills, food, basic healthcare) के लिए:
- •Single: ~$32,000 per year
- •Couple: ~$47,000 per year
NZ Super से Gap:
- •Single: ~$5,000 per year needed
- •Couple: ~$6,000 per year needed
Comfortable Retirement
Comfortable lifestyle (occasional dining out, local holidays, hobbies) के लिए:
- •Single: ~$52,000 per year
- •Couple: ~$72,000 per year
NZ Super से Gap:
- •Single: ~$25,000 per year needed
- •Couple: ~$31,000 per year needed
Affluent Retirement
Affluent lifestyle (international travel, higher-end living) के लिए:
- •Single: ~$72,000+ per year
- •Couple: ~$100,000+ per year
NZ Super से Gap:
- •Single: ~$45,000+ per year needed
- •Couple: ~$59,000+ per year needed
Savings Target Calculate करें
4% withdrawal rule rough guide के रूप में use करें:
Formula: Annual income needed × 25 = Total savings needed
Examples:
| Lifestyle | Annual Gap | Savings Needed |
|---|---|---|
| No Frills (single) | $5,000 | $125,000 |
| Comfortable (single) | $25,000 | $625,000 |
| Affluent (single) | $45,000 | $1,125,000 |
| No Frills (couple) | $6,000 | $150,000 |
| Comfortable (couple) | $31,000 | $775,000 |
| Affluent (couple) | $59,000 | $1,475,000 |
Target Affect करने वाले Key Factors
1. Housing Situation
सबसे significant factor:
- •Mortgage-free homeowner: Lower expenses
- •Retirement में renting: Needs में ~$15,000-$25,000 per year add करें
2. Health Status
Age के साथ healthcare costs बढ़ते हैं:
- •Basic healthcare: Public system से covered
- •Private health insurance: ~$3,000-$6,000 per year
- •Residential care (अगर needed): ~$50,000-$80,000 per year
3. Location
Cost of living varies:
- •Auckland/Wellington: More expensive
- •Regional areas: Cheaper
- •Regions move करना: Home equity release हो सकती है
4. Retirement Length
NZ में average life expectancy:
- •Men: ~80 years
- •Women: ~84 years
लेकिन many 90+ तक पहुंचते हैं। Longer plan करें, shorter नहीं।
Realistic Assessment
Most New Zealanders के लिए:
- •Minimum target: $200,000-$300,000 (mortgage-free home के साथ)
- •Comfortable target: $500,000-$700,000
- •Worry-free target: $800,000+
Target Reach करने के Steps
Key Takeaway
Magic number नहीं है, लेकिन NZ में comfortable retirement के लिए, $500,000-$700,000 savings का target (mortgage-free home के साथ) most के लिए reasonable है। अपनी specific needs calculate करके शुरू करें और उसे achieve करने का plan बनाएं।
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