People who cry about not having a company funded pension never talk about the fat salaries they draw on monthly basis. Rather than Planning people prefer to blame the system,the company, circumstances etc. It is always too early to think about pension plans or too late to plan your retirement, nothing in between. People tend to forget that they have to retire one day rather they think that the revenue inflow is till eternity. A traditional pension plan or a mutual fund SIP could easily help you to retire with a corpus sufficient enough to earn you enough income to maintain your lifestyle. Retirement planning means investing in assets which will create a life long income for you. There are a lot of pension plans provided by many companies in India today,people in the hope of choosing the best plan keep on postponing the Investment leading to loss of profits which leads to lesser corpus which in turns reduces your further income. Consulting a professional is highly recommended for retirement planning. Retirement plan may differ for different people as it depends on the income group the person belongs to, tenure left for retirement, required corpus, etc. Every person has to plan their retirement, avoiding or neglecting it will lead to regret only.
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