{"id":5116,"date":"2026-08-03T18:53:36","date_gmt":"2026-08-03T14:53:36","guid":{"rendered":"https:\/\/nayarweb.com\/blog\/?p=5116"},"modified":"2026-08-03T18:53:36","modified_gmt":"2026-08-03T14:53:36","slug":"should-you-take-your-pension-at-60-or-65-in-mauritius","status":"publish","type":"post","link":"https:\/\/nayarweb.com\/blog\/2026\/should-you-take-your-pension-at-60-or-65-in-mauritius\/","title":{"rendered":"Should you take your pension at 60 or 65 in Mauritius?"},"content":{"rendered":"<p>Disclaimer: This is not financial nor legal advice. Just me thinking aloud.<\/p>\n<p>If i understand correctly, if you choose to take your pension at the age of 60, you will get Rs 11 589\/month. But if you choose the delayed gratification method, you get Rs 16 555\/month. Is it worth it? It reminds me of the story of the hare and the tortoise. But, financial decisions should be taken using a mathematical approach. Always.<\/p>\n<p>Let&#8217;s compare the 2 scenarios. Diksha decides to take her pension asap at 60 while Paul decides to wait till 65 to earn his pension. Let&#8217;s run the simulation.<\/p>\n<p><iframe loading=\"lazy\" title=\"BRP 60 vs 65\" width=\"640\" height=\"360\" src=\"https:\/\/www.youtube.com\/embed\/zomgoda3p_0?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/p>\n<p>We see that 198 months later i.e. when Paul reaches 75.5 years old that he finally catches up to Diksha&#8217;s earnings. If Paul dies before 75.5 years old, he is on the losing side.<\/p>\n<p>But let&#8217;s do another simulation. What if Diksha doesn&#8217;t touch her pension till 65 years and just leaves it in the bank earning an interest rate of 3.3% as it is actually?<\/p>\n<p><iframe loading=\"lazy\" title=\"BRP Mauritius with Interest\/Investment\" width=\"640\" height=\"360\" src=\"https:\/\/www.youtube.com\/embed\/yfSyV1TI9qs?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/p>\n<p>You see that now Paul has to wait 253 months to catch up with Diksha. i.e. at the age of 81. If Diksha manages to invest getting a high yield of 7%, Paul will never be able to catch up with her.<\/p>\n<p>Of course, we are assuming everything will go to plan. What do you think I should simulate next? Will you take your pension at 60 or 65 or even 70?<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Disclaimer: This is not financial nor legal advice. Just me thinking aloud. If i understand correctly, if you choose to take your pension at the age of 60, you will get Rs 11 589\/month. But if you choose the delayed gratification method, you get Rs 16 555\/month. Is it worth it? It reminds me of &hellip; <a href=\"https:\/\/nayarweb.com\/blog\/2026\/should-you-take-your-pension-at-60-or-65-in-mauritius\/\" class=\"continue-reading\">Continue reading <span class=\"screen-reader-text\">Should you take your pension at 60 or 65 in Mauritius?<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[247],"tags":[],"class_list":["post-5116","post","type-post","status-publish","format-standard","hentry","category-finance"],"_links":{"self":[{"href":"https:\/\/nayarweb.com\/blog\/wp-json\/wp\/v2\/posts\/5116","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/nayarweb.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/nayarweb.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/nayarweb.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/nayarweb.com\/blog\/wp-json\/wp\/v2\/comments?post=5116"}],"version-history":[{"count":1,"href":"https:\/\/nayarweb.com\/blog\/wp-json\/wp\/v2\/posts\/5116\/revisions"}],"predecessor-version":[{"id":5117,"href":"https:\/\/nayarweb.com\/blog\/wp-json\/wp\/v2\/posts\/5116\/revisions\/5117"}],"wp:attachment":[{"href":"https:\/\/nayarweb.com\/blog\/wp-json\/wp\/v2\/media?parent=5116"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/nayarweb.com\/blog\/wp-json\/wp\/v2\/categories?post=5116"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/nayarweb.com\/blog\/wp-json\/wp\/v2\/tags?post=5116"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}