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The monthly basic salary at age 35 is Rs 50,000, and at age 45, it is Rs 1 lakh.

The annuity rate with 25 years left for retirement is 4.75%, and with 15 years left, it is 5.5%.

The return from a systematic withdrawal plan with 25 years left is 6%, and with 15 years left, it is 7%.

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