Why Retirement Planning is important?
Employees
Business Owners
Business Owners
88% Employees in India will not receive any Pension after Retirement
Business Owners
Business Owners
Business Owners
Business Owners don't have any formal Pension System in India
Social Security
Business Owners
Social Security
There is no Social Security post Retirement in India
Most people don’t fear retirement because of age.
They fear it because of uncertainty.
- “What if my savings are not enough?”
- “What if medical costs rise faster than expected?”
- “What if I have to depend on my children?”
These worries don’t start at 60.
They start much earlier — quietly.
The Harsh Facts
Let’s look at reality, not assumptions:
- Average life expectancy in India is now 70+ years
- Retirement age for most people: 58–60 years
- That means you may spend 20–30 years in retirement
Inflation Reality
- Average long-term inflation: 6–7%
- ₹50,000 monthly expense today
→ becomes ₹1.6–1.8 lakh per month in 20 years
Medical Reality
- Healthcare costs are growing faster at 14% inflation
- A single major medical event can wipe out years of savings
👉 Retirement is no longer a short phase. It is the longest phase of life.
What Retirement Planning Really Means
Retirement planning is not just about “how much money”.
It is about:
- Creating regular income after retirement
- Protecting savings from inflation
- Managing medical expenses
- Reducing dependence on children
- Preserving dignity and self respect
What a Structured Retirement Plan Includes?