Skip Navigation
0 of 0 Displaying
 |   Displaying

No Results


    Perspective on Retirement Planning

    Last Updated On 29-09-2016

    People’s take on retirement lies broadly two outlooks - some look forward to it while the rest dread the thought of not having anything to occupy them. Either way, one thing is certain- retirement involves a significant drop in income, without a corresponding drop in expenses. This requires everyone to plan their retirement so as to avoid a finance crunch.
    Here are a few tips to keep in mind when you plan for your retirement:

    1. Save early: The early bird catches the worm, is an old saying that applies to everything including retirement planning. By beginning to save early and being systematic about it, not only do you rack up funds for your golden years, but also do it without stress.
    2. Know your needs: A comfortable retirement plan accounts for multiple elements including your standard of living. Experts estimate that you will need at least 70 percent of your preretirement income to maintain your standard of living when you stop working. Yes, retirement does not mean free living.
    3. Employer’s Retirement Savings Plan: If your place of employment offers an Employer’s Retirement Savings Plan or Pension Plans, it would be in your best interest to opt for them. Tax deductions, and accrued interests over time make such schemes extremely beneficial in the long run.
    4. Keep basic investment principles in mind: Today, there are multiple avenues for investment that are open. It is important to choose the right one that is best suited to your needs. Inflation and the type of investments you make play an important role in how much you will save towards retirement. Remember to not put all your eggs in one basket. So, diversify your investment portfolio.
    5. Don’t dip into your retirement savings: Retirement savings should be there to stay. If you withdraw from your savings account, you lose out on principle, interest and tax benefits, and even bear withdrawal penalties.

    There are many important elements that are to be kept in mind while planning for your retirement, for you to have that perfect retired life. It is important to remember that these 5 tips will go a long way in making that task that much easier. Visit PNB MetLife to know more about your Life Insurance, Long Term Savings, Term Insurance & Term Plan.

    Doesn’t the thought of retirement sound blissful? No work, no deadlines, and all your hours spent doing the things you love, like travel, painting, and even napping in the afternoon! If you want your retirement to be what you have always dreamed of, start retirement planning now and save a considerable retirement corpus in time. The online Retirement Calculator can help you plan your future financial goals and ensure you achieve them within the stipulated time. 


    The aforesaid article presents the view or an independent writer who is an expert on financial and insurance matters. PNB MetLife India Insurance Co. Ltd. doesn’t influence or support views of the writer of the article in any way. The article is informative in nature and PNB MetLife and/ or the writer of the article shall not be responsible for any direct/ indirect loss or liability incurred by the reader for taking any decisions based on the contents and information given in article. Please consult your financial advisor/ insurance advisor/ before making any decision.

    PNB MetLife India Insurance Company Limited, Registered office address: Unit No. 701, 702 & 703, 7th Floor, West Wing, Raheja Towers, 26/27 M G Road, Bangalore -560001, Karnataka.
    IRDAI Registration Number 117. CI No: U66010KA2001PLC028883. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding the sale.
    The marks “PNB” and “MetLife” are registered trademarks of Punjab National Bank and Metropolitan Life Insurance Company, respectively. PNB MetLife India Insurance Company Limited is a licensed user of these marks.
    Call us Toll-free at 1-800-425-6969.. Phone: 080-66006969, Website:, Email: or Write to us: 1st Floor, Techniplex -1, Techniplex Complex, Off Veer Savarkar Flyover, Goregaon (West), Mumbai – 400062, Maharashtra. Phone: +91-22-41790000, Fax: +91-22-41790203

    EC24 3LD/2019-20/254

    • IRDAI is not involved in activities like selling policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.


    Plan Ahead to Enjoy Your Golden Post - Retirement Years

    Retirement is said to be the golden period of your life. After years of hard work and long hours, you're able to reap the benefits and spend time w...


    Plan Your Life Better With a Pension Calculator

    The years you spend post retirement are said to be the golden years of your life. It’s important to prepare for them so that you can realize all th...


    Purposeful Life after Retirement

    With your working years spent in the office trying to secure yourself financially well enough to fulfil your goals, retirement can often open up ma...


    Reasons to have a life insurance after your retirement

    Life insurance is an integral part of one’s life. It takes care of the financial needs of the insured’s dependents even after the insured’s de...


    Retirement Checklist: Prep for your retirement with these 7 things

    Your retirement is supposed to mark the advent of your golden years. It is often said that friends, family and fun are the bedrocks of a happy reti...

    Want to know more about how you can protect your family?

    See all our articles

    Get a Callback


    OTP sent successfully

    Thank you for getting in touch with us. We will contact you shortly.


    Collapsed Expanded

    As your trusted life insurance partner, PNB MetLife is with you amidst the current COVID-19 outbreak. Our policies also cover COVID-19 Claims. In case of a Death Claim, kindly submit the signed Claim Intimation Letter mentioning the policy number, brief of the insured event and other claim documents on the email mentioned herewith. Please write-in to us at or You can also call us on 1800-425-6969 for death claims intimations and for any queries on Monday - Saturday between 10:00 am - 7:00 pm.

    PNB MetLife Insurance, amongst the trusted Life Insurance companies in India, aims to provide a wide range of Life Insurance products that suits the needs of an individual at every stage of his life. Life Insurance Plans range from Term Life Insurance PlansTerm PlanProtection PlansLong Term Savings Plans , Retirement Plans & Child Education Plan.

    Site best viewed in following browsers
    Chrome 70+ , IE 11+, Firefox 76+, Safari 11+

    Get a Callback Get a Callback

    Ask khUshi

    Hi! I’m khUshi. How can I help you?