Earlier the better. According to HSBC study (2016) , 47 percent of working people in India have not started saving for their future or have stopped or faced difficulties while saving.
Put something into your retirement planning, even if you are not able to prepare a proper targeted plan and subsequently when you have the time you can revise it.
A lot of websites provide you with retirement calculators.
Make the money work for you.
Use compounding principles help you achieve your life needs
Do not get misled by Insurance based retirement planning. separate investment and protection needs.
Today solution oriented schemes are available for planning for retirement.