{"id":7820,"date":"2024-12-08T05:00:02","date_gmt":"2024-12-07T23:30:02","guid":{"rendered":"https:\/\/aktassociates.com\/blog\/?p=7820"},"modified":"2024-10-08T15:38:55","modified_gmt":"2024-10-08T10:08:55","slug":"how-to-earn-%e2%82%b924-lakh-annually-tax-free-retirement","status":"publish","type":"post","link":"https:\/\/aktassociates.com\/blog\/how-to-earn-%e2%82%b924-lakh-annually-tax-free-retirement\/","title":{"rendered":"How to Earn \u20b924 Lakh Annually Tax-Free Retirement"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_66_1 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >In this article, we will discuss about...<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #1e73be;color:#1e73be\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #1e73be;color:#1e73be\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/aktassociates.com\/blog\/how-to-earn-%e2%82%b924-lakh-annually-tax-free-retirement\/#Introduction\" title=\"Introduction\">Introduction<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/aktassociates.com\/blog\/how-to-earn-%e2%82%b924-lakh-annually-tax-free-retirement\/#Why_Tax-Free_Retirement_Income_Matters\" title=\"Why Tax-Free Retirement Income Matters\">Why Tax-Free Retirement Income Matters<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/aktassociates.com\/blog\/how-to-earn-%e2%82%b924-lakh-annually-tax-free-retirement\/#Step_1_Understanding_Income_Splitting\" title=\"Step 1: Understanding Income Splitting\">Step 1: Understanding Income Splitting<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/aktassociates.com\/blog\/how-to-earn-%e2%82%b924-lakh-annually-tax-free-retirement\/#Step_2_Choosing_the_Right_Retirement_Income_Options\" title=\"Step 2: Choosing the Right Retirement Income Options\">Step 2: Choosing the Right Retirement Income Options<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/aktassociates.com\/blog\/how-to-earn-%e2%82%b924-lakh-annually-tax-free-retirement\/#Step_3_Systematic_Withdrawal_Plan_SWP_%E2%80%93_The_Secret_to_Tax-Free_Income\" title=\"Step 3: Systematic Withdrawal Plan (SWP) \u2013 The Secret to Tax-Free Income\">Step 3: Systematic Withdrawal Plan (SWP) \u2013 The Secret to Tax-Free Income<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/aktassociates.com\/blog\/how-to-earn-%e2%82%b924-lakh-annually-tax-free-retirement\/#Step_4_How_It_Works_%E2%80%93_A_Real-Life_Example\" title=\"Step 4: How It Works \u2013 A Real-Life Example\">Step 4: How It Works \u2013 A Real-Life Example<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/aktassociates.com\/blog\/how-to-earn-%e2%82%b924-lakh-annually-tax-free-retirement\/#Step_5_The_New_Tax_Regime_Explained\" title=\"Step 5: The New Tax Regime Explained\">Step 5: The New Tax Regime Explained<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/aktassociates.com\/blog\/how-to-earn-%e2%82%b924-lakh-annually-tax-free-retirement\/#Common_Concerns_Is_This_Strategy_Risky\" title=\"Common Concerns: Is This Strategy Risky?\">Common Concerns: Is This Strategy Risky?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/aktassociates.com\/blog\/how-to-earn-%e2%82%b924-lakh-annually-tax-free-retirement\/#Why_Annuities_and_Traditional_Retirement_Plans_Fall_Short\" title=\"Why Annuities and Traditional Retirement Plans Fall Short\">Why Annuities and Traditional Retirement Plans Fall Short<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/aktassociates.com\/blog\/how-to-earn-%e2%82%b924-lakh-annually-tax-free-retirement\/#The_Bottom_Line_A_Legal_Smart_Way_to_Enjoy_a_Tax-Free_Retirement\" title=\"The Bottom Line: A Legal, Smart Way to Enjoy a Tax-Free Retirement\">The Bottom Line: A Legal, Smart Way to Enjoy a Tax-Free Retirement<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/aktassociates.com\/blog\/how-to-earn-%e2%82%b924-lakh-annually-tax-free-retirement\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Introduction\"><\/span><b>Introduction<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Planning for retirement is one of the most important things you can do for your future. We all dream of a tax-free retirement, but the thought of high taxes eating into your savings can be discouraging. What if I told you there\u2019s a way to earn \u20b924 lakh annually as a pension without paying any taxes? Sounds too good to be true, right?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In this article, I\u2019ll show you a smart, tax-efficient strategy that can help you and your spouse earn \u20b92 lakh per month, or \u20b924 lakh annually, with zero income tax. Whether you\u2019re an NRI returning to India or an Indian citizen\/resident nearing retirement, this approach can maximize your income while staying within the legal framework.<\/span><\/p>\n<p><b>Don\u2019t let reading hold you back, Watch our video instead<\/b><br \/>\n<iframe loading=\"lazy\" title=\"YouTube video player\" src=\"https:\/\/www.youtube.com\/embed\/x9m01GOw5Ac?si=VUvzAcbwMT0tEW5b\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Why_Tax-Free_Retirement_Income_Matters\"><\/span><b>Why Tax-Free Retirement Income Matters<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">India\u2019s tax system can feel complicated, especially for retirees. The last thing you want in your golden years is to deal with big tax bills on your pension. Unfortunately, there\u2019s limited tax relief available for retirees unless you belong to special groups.<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-7892 size-full\" src=\"https:\/\/aktassociates.com\/blog\/wp-content\/uploads\/2024\/09\/Add-a-heading-29.png\" alt=\"Retirement Expenses\" width=\"500\" height=\"300\" \/><\/p>\n<p>But here\u2019s the good news: with smart retirement planning and a well-thought-out tax strategy, you can avoid paying hefty taxes and boost your income. And don\u2019t worry\u2014this is all perfectly legal under the Indian tax system.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Step_1_Understanding_Income_Splitting\"><\/span><b>Step 1: Understanding Income Splitting<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The core of this strategy is income splitting. If you and your spouse are together, the first thing you should do is divide your income equally between the two of you. This is especially helpful if your spouse doesn\u2019t have a high income or isn\u2019t working.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You can start transferring money to your spouse gradually, allowing them to build their own investment portfolio. The savings your spouse builds from household money aren\u2019t taxable for you. With proper planning, you can ensure that 50% of your retirement income is in your name, and the other 50% is in your spouse\u2019s name.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For example, if you\u2019re earning \u20b924 lakh annually, you both will receive \u20b912 lakh each. This keeps both of you in lower tax brackets and may even help you avoid paying taxes altogether.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Step_2_Choosing_the_Right_Retirement_Income_Options\"><\/span><b>Step 2: Choosing the Right Retirement Income Options<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">When it comes to receiving your retirement income, you have several options, including:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Annuities<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fixed Deposits (FDs)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mutual Funds<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Stocks<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">I generally don\u2019t recommend FDs. The interest on FDs is taxed every year, even if you don\u2019t withdraw it. This means a large portion of your earnings can end up being taxed. It\u2019s better to limit the use of FDs in your retirement portfolio.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Instead, focus on long-term mutual funds. They usually offer better returns and more flexibility in terms of tax benefits. But the key isn\u2019t just about choosing mutual funds\u2014it\u2019s also about how and when you sell them.<\/span><\/p>\n<p><a href=\"https:\/\/pages.razorpay.com\/akt-nri-tax-consulting\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-5246 size-full\" src=\"https:\/\/aktassociates.com\/blog\/wp-content\/uploads\/2023\/06\/Consult-CA-Arun-Tiwari-2.png\" alt=\"\" width=\"700\" height=\"150\" srcset=\"https:\/\/aktassociates.com\/blog\/wp-content\/uploads\/2023\/06\/Consult-CA-Arun-Tiwari-2.png 700w, https:\/\/aktassociates.com\/blog\/wp-content\/uploads\/2023\/06\/Consult-CA-Arun-Tiwari-2-300x64.png 300w\" sizes=\"(max-width: 700px) 100vw, 700px\" \/><\/a><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Step_3_Systematic_Withdrawal_Plan_SWP_%E2%80%93_The_Secret_to_Tax-Free_Income\"><\/span><b>Step 3: Systematic Withdrawal Plan (SWP) \u2013 The Secret to Tax-Free Income<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Here\u2019s a simple solution for your retirement: Systematic Withdrawal Plan (SWP). You don\u2019t need to sell mutual funds manually every month to cover your expenses. Instead, set up an SWP, which automatically sells a fixed amount of mutual funds each month and transfers the money to your bank account. This gives you a steady monthly income without the hassle.<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-7928 aligncenter\" src=\"https:\/\/aktassociates.com\/blog\/wp-content\/uploads\/2024\/10\/Add-a-heading-62.png\" alt=\"SWP\" width=\"500\" height=\"300\" \/><\/p>\n<p>&nbsp;<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Step_4_How_It_Works_%E2%80%93_A_Real-Life_Example\"><\/span><b>Step 4: How It Works \u2013 A Real-Life Example<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Imagine you and your spouse have been investing in mutual funds for several years. Now that it\u2019s time to retire, you each sell \u20b91 lakh worth of mutual funds every month. That adds up to \u20b912 lakh per year for each of you, giving you a combined annual income of \u20b924 lakh.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here\u2019s where it becomes tax-efficient: not all the \u20b91 lakh you sell each month is profit. Let\u2019s say 50% is your principal (which isn\u2019t taxable), and the other 50% is capital gains. This means you\u2019re earning \u20b96 lakh in capital gains per year, well within the tax-free limit under the new tax rules.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Step_5_The_New_Tax_Regime_Explained\"><\/span><b>Step 5: The New Tax Regime Explained<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Under the new tax regime, individuals with an annual income up to \u20b97 lakh don\u2019t have to pay taxes. So, if you\u2019re earning \u20b96 lakh in capital gains and an additional \u20b91 lakh from other sources, like FD interest or rental income, you won\u2019t owe any taxes.<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-7929 aligncenter\" src=\"https:\/\/aktassociates.com\/blog\/wp-content\/uploads\/2024\/10\/Add-a-heading-90.png\" alt=\"New Tax Regime\" width=\"500\" height=\"300\" \/><\/p>\n<p>The same applies to your spouse. By splitting your income and filing taxes separately, you can both enjoy tax-free income and together earn \u20b924 lakh per year without paying any taxes.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Common_Concerns_Is_This_Strategy_Risky\"><\/span><b>Common Concerns: Is This Strategy Risky?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Some might ask, \u201cAren\u2019t mutual funds risky?\u201d While investing in the stock market does carry some risk, investing in large-cap, long-term mutual funds is generally safer than other options.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In fact, putting all your money into FDs can be riskier. Indian banks are insured for only \u20b95-6 lakh. And while it\u2019s rare, banks can fail. If you have a large sum of money\u2014say \u20b93 crore or \u20b95 crore\u2014you\u2019re safer putting it in a diversified mutual fund than risking it all in one bank.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Why_Annuities_and_Traditional_Retirement_Plans_Fall_Short\"><\/span><b>Why Annuities and Traditional Retirement Plans Fall Short<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Many people turn to annuities for retirement plans, thinking they\u2019re safer. However, these options are usually taxable, and their returns are often lower than what mutual funds can offer. Plus, annuities tie up your capital, leaving you with less flexibility if you need cash quickly.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Mutual funds, on the other hand, give you better returns, flexibility, and tax advantages\u2014if managed wisely.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"The_Bottom_Line_A_Legal_Smart_Way_to_Enjoy_a_Tax-Free_Retirement\"><\/span><b>The Bottom Line: A Legal, Smart Way to Enjoy a Tax-Free Retirement<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Planning for retirement with zero income tax is achievable if you plan carefully. By using mutual funds, splitting income with your spouse, and taking advantage of the tax-free income threshold, you can secure a monthly income of \u20b92 lakh without worrying about taxes.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This approach is legal, more beneficial in the long run compared to FDs or annuities, and flexible enough for anyone to implement with a bit of forward planning.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><b>Conclusion<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">It\u2019s never too early or too late to start planning for your retirement. If you\u2019re nearing retirement, now is the time to set up your portfolios and an SWP. If you\u2019re still in your working years, begin investing in long-term mutual funds today for a tax-free, worry-free retirement tomorrow!<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Introduction Planning for retirement is one of the most important things you can do for your future. We all dream &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"How to Earn \u20b924 Lakh Annually Tax-Free Retirement\" class=\"read-more button\" href=\"https:\/\/aktassociates.com\/blog\/how-to-earn-%e2%82%b924-lakh-annually-tax-free-retirement\/#more-7820\">Read more<span class=\"screen-reader-text\">How to Earn \u20b924 Lakh Annually Tax-Free Retirement<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":7930,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[1554,1551,1552,1553],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to Earn \u20b924 Lakh Annually Tax-Free Retirement<\/title>\n<meta name=\"description\" content=\"Discover a tax-free retirement strategy using mutual funds and income splitting to earn \u20b924 lakh annually, tax-efficient retirement.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/aktassociates.com\/blog\/how-to-earn-\u20b924-lakh-annually-tax-free-retirement\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Earn \u20b924 Lakh Annually Tax-Free Retirement\" \/>\n<meta property=\"og:description\" content=\"Unlock a tax-free \u20b924 lakh annually in retirement income! 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