A retirement pension planning always assures you a good and luxurious life, even though you are not earning. With retirement and employee pension plans you do not retire, rather you get a leisure period to enjoy the life to the last moment! You must go through this stuff to understand why people are more interested in early planning for retirement.
First of all you get independence. You don't have to be dependent on others. In-fact in our society, we often see that a retired person is assumed a luggage by other family members and retired persons are often denied their basic requirement for living a luxurious life. Second point may be summed up as "the skyrocketing prices often tend to dump even the well salaried person".
Due to inflation and frequent changes in economic policies every working and retired person experience trouble in living a smooth life.
Current Market analysis and survey report reveals that only 30% of earning community has insured a retirement plan. For the remaining 70% people life may become really tough without retirement pension planning. So you might have got a horrible portrait of people who have not invested for pension planning. While insuring a retirement plan you must look for various factors too. These factors may be summed as the total return on saving, whether disability pension plan is offered or not and whether there are defined pension plans or not.