Pension Lump Sum ची गणना कशी करावी
Pension Lump Sum म्हणजे काय?
Evaluates lump sum pension settlements versus lifetime monthly payments accounting for life expectancy and returns.
सूत्र
PV of Annuity = PMT * [(1 - (1+r)^-n) / r]
चरण-दर-चरण मार्गदर्शक
- 1Enter monthly pension payment amount
- 2Input discount rate (expected return) and life expectancy
- 3Compare lump sum to annuity present value
Worked Examples
इनपुट
$2,000/month pension, age 65, 3% discount rate, 25-year life expectancy
परिणाम
Lump sum equivalent ≈ $530,000
Pension decision analysis
Common Mistakes to Avoid
- ✕Not considering inflation over time
- ✕Underestimating life expectancy
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