On the average, people tend to adopt a wait-and-see attitude to the issue of retirement, preferring to
postpone consideration till the retirement time comes. However, due to increasing life expectancy and larger and
larger percentage of the population being in the retired class, it has become necessary to give more serious
consideration to retirement planning. In this paper, we have tried to explain the problem in not starting early to
invest for one’s retirement. We have presented various investment options like bonds, stocks and life annuities
available to the investor and the relative advantages of each. Various retirement options in a developing economy
are also proposed, discussed and compared.

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