Planning for Retirement

One day your salary stops — but your expenses don't. Retirement planning means building enough savings and investments to live on later. The magic ingredient is again starting early, so compounding does the heavy lifting. Most countries have dedicated retirement accounts with tax advantages — in India, the EPF, PPF and NPS; in the US, the 401(k) and IRA. A powerful move: if an employer matches your retirement contributions, contribute at least enough to get the full match — that's free money. The lesson isn't a specific product; it's to start now, contribute regularly, and let time work.