Retirement Fund

&= cjsfz sf]if
!=

cjsfz sf]if eg]sf] s] xf] <

cjsfz sf]if eg]sf] k|fs[lts JolQm jf lghsf] cfl>tnfO{ cjsfz e'QmfgL h:t}M– s=;+= sf]if, gful/s nufgL sf]ifaf6 x'g] e'QmfgL jf pkbfg, lgj[lQe/0f
/sd_ k|bfg ug]{ k|of]hgsf] nflu /sd -of]ubfg /sd ;d]t_ :jLsf/ ug]{ / ;f]
/sd nufgL ug]{ p2]Zon] :yfkgf ePsf] lgsfo ÷;+:yf ÷sf]if xf] .
@=

cjsfz sf]ifdf s;n] of]ubfg ub{5 <

cjsfz sf]ifdf hf];'s} k|fs[lts JolQmn] jf lghsf] tkm{af6 lghsf] /f]huf/bftfn]
of]ubfg ub{5 . /f]huf/L cfo gePsf :jtGq k]zf Joj;fo ug]{ k|fs[lts JolQmn]
klg cjsfz of]ubfg ug{ ;Sb5 .
#=

cjsfz sf]if s;n] ;~rfng ub{5 <

s'g} afl;Gbf JolQmn] tf]lsPsf] zt{x?sf] cfwf/df cjsfz sf]if ;+rfng ug{
;Sb5 . of] sf]if Gof; (Trust) sf] ?kdf ;+rfng x'g] ub{5 . /f]huf/bftfaf6
cjsfz of]ubfg :jLsf/ ug]{ cjsfz sf]ifsf] Joj:yfkg / ;+rfng /f]huf/bftf
eGbf :jtGq ?kdf ePsf] x'g' kb{5 . sf]ifsf] /sd e'QmfgL ubf{ -lxtflwsf/L
beneficiary nfO{_ %* jif{ k'u]sf] jf ;]jfaf6 cfjsfz k|fKt u/]sf] sd{rf/L ePsf]
jf :yfoL ?kn] ckf+u ePsf] jf d[To' ePsf] k|fs[lts JolQmsf] xsdf dfq e'QmfgL
ul/g' kb{5 . cjsfz sf]ifsf] jflif{s n]vfk/LIf0f dxfn]vf k/LIfssf] ljefuaf6
:jLs[lt kfPsf] n]vfk/LIfsn] dfq ug'{ kb{5 . cjsfz sf]ifdf hDdf ul/Psf] jf
k|fKt x'g] /sd :jLs[t nufgL -cfos/ lgodfjnL cg';f/_ df dfq nufgL ug'{
kb{5 . o:tf] sf]ifsf] r'Qmf k"h
F L sDtLdf ?= ! s/f]8 x'g'kg]{ / beneficiary sf]
;+Vof sDtLdf ! xhf/ x'g' kb{5 .

$=

cjsfz sf]if ;~rfng ug{ :jLs[lt lng' k5{ kb}{g / cjsfz sf]ifsf] of]ubfgdf
s/ nfU5 nfUb}g <

:jLs[t cjsfz sf]ifdf hDdf ul/g] cjsfz of]ubfg /sddf s/ nfUb}g t/
o:tf] s"n of]ubfg /sd jflif{s tLg nfv ?k}ofF jf lgwf{/0fof]Uo cfosf] Ps
ltxfO{df h'g 36L x'G5 ;f] /sd;Dd dfq x'g' kb{5 . o:tf] cjsfz of]ubfg
/sd s/of]Uo cfoaf6 36fpg kfO{G5 . :jLs[t gePsf] jf :jLs[lt glnPsf]
cjsfz sf]ifdf cjsfz of]ubfg /sd hDdf ubf{ cjsfz of]ubfg /sd s/of]Uo
cfoaf6 36fpg kfO{+b}g / s/ nfUb5 .
%=

cjsfz sf]ifdf hDdf u/]sf] k};f s;n] / slxn] lemSg kfOG5 <

:jLs[t cjsfz sf]ifdf hDdf u/]sf] /sd cjsfz k|fKt u/]sf] sd{rf/Ln] jf %*
jif{ pd]/ k'u]sf] beneficiary jf p;sf] cfl>t JolQmn] jf :yfoL ?kn] ckf+u
ePsf] JolQm jf d[To' ePsf] JolQmsf] cfl>t JolQmn] lemSg kfpF5 .
^=

cjsfz sf]ifaf6 k};f lemSbf k};f lemSg]nfO{ s/ nfU5 nfUb}g <

:jLs[t cjsfz sf]ifaf6 x'g] k6s] e'QmfgL -h:t} s=;+= sf]ifsf] /sd_ df e'QmfgL
/sdsf] %) k|ltzt jf ?= % nfv h'g a9L x'G5 ;f] /sd 36fO{ afFsL /xg]
/sdnfO{ nfe dfgL o:tf] nfedf % k|ltztsf b/n] s/ nfUb5 / o:tf] s/
clGtd dflgG5 . t/ lgj[lQe/0f / o:t} k|sf/sf] cGo -j[lQsf] :j?ksf]_
e'QmfgLsf xsdf cfodf ;dfj]z u/L s/ ltg'{kb{5 . lgj[lQe/0f cfosf] xsdf
z'? :nfasf] @% k|ltzt /sd s/of]Uo cfoaf6 36fpg kfOG5 . :jLs[t g/x]sf]
cjsfz sf]ifaf6 x'g] e'QmfgLsf] xsdf cjsfz of]ubfg /sddf s/ nfuL ;s]sf]
x'Fbf, cjsfz e'QmfgL /sdaf6 cjsfz of]ubfg /sd 36fO{ k"FhLut nfesf]
u0fgf ug]{ / o:tf] nfedf % k|ltztn] s/ nfUb5 .
&=

cjsfz sf]ifsf] cfodf s/ nfU5 nfUb}g <

:jLs[t cjsfz sf]ifsf] cfodf s/ nfUb}g t/ :jLs[t gePsf cjsfz sf]ifx?n]
dfGotf gkfpg] ePsf]n] cGo lgsfo em}+ s/ nfUb5 .

*=

cjsfz sf]ifdf slt /sd;Dd of]ubfg ug{ ;lsG5 <

:jLs[t cjsfz sf]ifdf ?= # nfv jflif{s jf s"n lgwf{/0fof]Uo cfosf] Ps ltxfO{
/sddf h'g 36L x'G5, ;f] /sd;Dd cjsfz of]ubfg u/] -/f]huf/bftfn] yKg]
/sd ;d]t_ s/of]Uo cfoaf6 36fpg kfOG5 . o:tf :jLs[t cjsfz sf]ifx?
Ps}k6s PseGbf a9L klg x'g ;Sb5g\ . h:t} s=;+= sf]if / gful/s nufgL sf]if
tyf laefun] :jLs[t lbPsf cGo casfz sf]ifdf cjsfz of]ubfg hDdf ug{
kfO{G5 t/ s"n cjsfz of]ubfg /sdn] pk/f]Qm tf]lsPsf] ;Ldf gf£g' x'Fb}g .
(=

Psk6s cjsfz sf]ifdf of]ubfg u/]kl5 ;w} of]ubfg ug'{k5{ ls kb}{g <

Psk6s cjsfz sf]ifdf of]ubfg u/]kl5 ;+w} ug'{k5{ jf kb}{g eGg] s'/fsf]
s/f/f]k0f;+u ;DaGw 5}g . of]ubfg :jLsf/ ug]{ cjsfz sf]if / of]ubfg ug]{
k|fs[lts JolQm aLrsf] s/f/df of] s'/f e/ kb{5 .
!)=

cjsfz sf]ifdf ul/g] of]ubfg ;dfg x'g'k5{ ls kl/jt{g ug{ ;lsG5 <

cjsfz sf]ifdf ul/g] of]ubfg ;dfg /x] klg jf kl/jt{g eP klg tf]lsPsf]
jflif{s ;Ldf ggf3];Dd s/of]Uo cfoaf6 36fpg kfOG5 .
!!=

cjsfz sf]ifsf] /sd sxfF sxfF nufgL ug{ ;lsG5 <

:jLs[t cjsfz sf]ifn] k|fKt /sd jf hDdf ul/Psf] /sd :jLs[t nufgLdf dfq
nufgL ug'{kb{5 . :jLs[t nufgL eGgfn] lgDg nufgL ;Demg' kb{5 .
-s_ gful/s nufgL sf]ifdf ul/Psf] nufgL,
-v_ ;/sf/L C0fkqdf ul/Psf] nufgL,
-u_ a}+sdf ul/Psf] nufgL,
-3_ a}+sdf ;xljlQos/0fsf] cfwf/df ul/Psf] nufgL, /

-ª_
!@=

z]o/xf]N8/ afx]ssf lxtflwsf/L (beneficiary) nfO{ ul/Psf] nufgL .

cjsfz sf]ifdf k};f hDdf u/]df s] kmfObf x'G5 <

:jLs[t cjsfz sf]ifdf /sd hDdf u/]df s/of]Uo cfoaf6 tf]lsP cg';f/
-lgwf{/0fof]Uo cfPsf] Ps ltxfO{ jf ?= # nfvdf h'g 36L x'G5 ;f] /sd ;Dd_
36fpg kfO{G5 cyf{t\ s/ bfloTj 36\g hfG5 .

!#=

casfz sf]ifaf6 /sd lemSbf -e'QmfgL kfpFbf_ slt k|ltzt s/ nfUb5 <

casfz sf]ifaf6 /sd lemSbf -e'QmfgL kfpFbf_ kfFr k|ltztsf b/n] s/ nfUb5 .