Retirement Planning

What Is Retirement Planning?

Retirement planning involves determining retirement income goals and what's needed to achieve those goals. Retirement planning includes identifying income sources, sizing up expenses, implementing a savings program, and managing assets and risk. Future cash flows are estimated to gauge whether the retirement income goal is possible.

You can start at any time, but it works best if you factor it into your financial planning as early as possible. That’s the best way to ensure a safe, secure—and fun—retirement. The fun part is why it makes sense to pay attention to the serious and perhaps boring part: planning how you’ll get there.


1. It is never too early or too late to start retirement planning.

2. Retirement planning refers to financial strategies of saving, optimising tax, choosing right investment vehicles and ultimately distributing money meant to sustain oneself during retirement.

3. Many popular investment vehicles, such as Public Provident Fund, Employees' Provident Fund, National Pension Scheme & Mutual Funds allow retirement savers to grow their money with certain tax advantages.

4. Retirement planning takes into account not only assets and income but also future expenses, liabilities, inflation, taxation and life expectancy.

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