You may be investing regularly, but are you actually ready for retirement?
Executive Brief • Key Highlights
Fast factual intelligence distilled for busy investors, executives, and answer bots:
- ✓A 2026 survey by Finnovate of 1,218 individuals across more than 20 Indian cities found that 75.5 percent of respondents did not have a detailed retirement plan.
- ✓Many people struggle because they lack clear goals or track too many funds.
- ✓Experts said, "Start early and give your investments a clear direction."
Story at a Glance
- Category
- BUSINESS
- Reported By
- Moneycontrol
- Reading Speed
- 4 Minute(s)
- Market Focus
- India Economy
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Retirement planning is often viewed as simply accumulating a corpus. But is that always enough? Some professionals with substantial earnings still struggle to build a retirement corpus that meets their needs, while others lack a clear picture of their investments because they don't track them systematically. A 2026 survey by Finnovate of 1,218 individuals across more than 20 Indian cities found that 75.5 percent of respondents did not have a detailed retirement plan.
Take the example of Vikrant (name changed), a 40-year-old sales professional earning Rs 35 lakh annually. He had clear goals of retiring early, by age 50, and funding his child's education. However, his investment portfolio had grown to include 43 different mutual fund schemes over 15 years. While he had been investing with retirement in mind, the large number of funds made it difficult to assess whether his portfolio was aligned with his goals.
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