Retirement is an accumulation problem

I saw an uncomfortable number this week. A PGIM India retirement readiness report says only 37 per cent of people have a retirement plan. It claims this is down from 67 per cent in 2023, even while retirement is now a top priority. This isn’t carelessness. Retirement is a psychological blind spot. Your EMI shouts. School fees shout. Retirement sits quietly in the background, so it gets postponed. And the cost of postponing is the one thing you can’t recover: time. One point to remember: retirement is not mainly a withdrawal problem. It’s an accumul

This article was originally published on January 12, 2026.