New Delhi, Feb. 16 -- Retirement planning has always been about one deceptively simple question: how much is enough?

Yet in today's world of rising lifestyles, volatile markets and longer life spans, that question feels more intimidating than ever.

At the Mint Money Festival in Mumbai, Aarati Krishnan, head of advisory at PrimeInvestor, unpacked the numbers and the anxieties around retiring comfortably.

For most people, retirement is not a distant milestone but a looming uncertainty. Krishnan pointed out that anxiety stems from four structural shifts.

First, pensions are no longer guaranteed. "Our parents often had government or secure jobs where the employer paid a pension. Today, most of us have to build our own retirement income," ...