By Kamal K Sharma Although Retirement Planning is the most important aspect of human life but yes, in India this is most ignored subject as well. No one wants to leave this wonderful planet so early. “Ayushmaan Bhav” means living long, is most desired and maximum distributed blessing, still no one actually plans it the way this deserves to be planned…..think for a while, what if you live till the age 90 plus years. Alok is 43 years and getting paid about 30 lakh a year (Rs.2.50 lakh salary a month) from his Govt/Corporate job. His position entitles him to have a driver, domestic help, free access to Golf Course, Caddy is at his disposal, His officer’s club gives him comfort of parties and social gatherings at a very reasonable price. God has blessed Alok with a wonderful family, his caring homemaker wife & two children. 12 years from now i.e 2037, Alok is looking ahead to his Retirement. Ideally his Salary of today will be his pension of 2027. Confused? go back to 2012-13, your salary was just half of what you are getting today, given that your pension will be Rs 2.50 Lakh/PM and you will not have the luxury of a Driver, Gardner, Caddy, Domestic help, in fact post retirement you will be requiring these services as a bare minimum necessity but at a good cost. All these services in a metro city like Delhi – Banglore – Mumbai – Pune – Chandigarh – Indore cost about Rs. 30000-40000 a month today, don’t feel surprised if your monthly services bill is beyond Rs. 1 Lakh/PM in 2037 & beyond, remember if all goes well, you will have to carry on paying for these services for next 30-35 years. That’s not the only case, if your post retirement