India, Sept. 30 -- As we envision our golden years, most of us dream of a retirement filled with comfort, security, and the freedom to enjoy the fruits of our labour. We want to spend time with loved ones, travel to new places, and pursue long-held passions without worry. Yet, for many, this vision remains elusive.

Financial security in retirement requires thoughtful planning. Many of us think of covering the basics like food, bills, and shelter, but often overlook the considerations for the joys that make life meaningful like traveling, pursuing hobbies, or helping loved ones.

Retirement planning should go beyond survival. It should give you peace of mind and freedom to live your retirement years on your own terms.

Even though awarene...