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A survey conducted by PGIM India Mutual Fund (through Nielsen India), of 3,103 Indians across 8 metro and 7 non-metro cities, reveals that only 49 per cent have a retirement plan in place. Higher spends towards EMIs and other household expenses reduce the investible surplus towards retirement for many, with only those having alternative sources of income being able to enhance savings. Many gaps in planning reduce the effectiveness of the exercise too
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