Retirement/Pension Planning has become very important and integral part of our financial planning for the future.

The way the inflation is moving and the value of your money is depreciating year after year, it is advisable to start planning for your retirement fund as early as possible. What is the best time to start planning ?..

Well the time is now. Start planning now if you want to be independent in your golden years.

There are several options available to you for starting your retirement planning process

1) You can approach a financial planner and he would guide to for your retirement process.

2) Start investing 15% to 20% of your income every month in Equities, Mutual Fund, Bonds , PPF etc. depending on your liking and risk taking ability.

Now when we are talking about Retirement, We are talking about a very long investment period and Our suggestion would be that a larger portion of your retirement fund should be into Equities or Equities Mutual Fund. Though many people consider Equities and Equities Mutual Fund Risky, Let Us clarify that Equities are the most riskiest in the short run but when we are talking about an investment horizon of 10 years or more Equities become less risky and gives highest return on investment.

Only one point to remember that you have to invest every month and year after year to make a good corpus for your retirement. It is better to take help from a financial advisor or planner.

3) Buy a retirement/pension solution plan from any of the life insurance companies.

This is a good option if you don't have time or expertise in investing, but like any other ready made product it is a little more expensive.