The article hits the point bang on. Retirement is a huge issue for those not in the government/semi-govt sector. No wonder people use to rush in for government jobs earlier. But now since we have plush private jobs (non-secure), we should be saving ONLY for retirement. Do not save in insurance policies. Only insurance companies earn out of the premiums and even if you have claims, you dont get it because of various reasons. Same is the case with healthcare policies.
Invest only in retirement policies and that too only in mutual funds SIP. They are the only way out. PPF/NSC/Fixed deposits are no good. Put in fixed amounts every month for SIP, apart from paying home loan. You will have a home AND a secure income from the SIP fund.
