There are many factors that one should consider while planning for 'Retirement'. Here are some of the important factors which should not be definitely missed so as to make informed decisions before you plan for Retirement.

1. In this policy, the investment risk in the investment portfolio is borne by the policyholder.
The Linked Insurance Products do not offer any liquidity during the first five years of the contract. The policyholders will not be able to surrender/withdraw the
monies invested in Linked Insurance Products completely or partially till the end of fifth year

2. Sooner is better. You need to
start preparation of your
retirement at an early age. If you
start saving early, you are likely
to save more and you can
leverage the power of
compounding

3. Inflation rate is a very important
factor for retirement planning.
Inflation rates keep on changing.
Higher the inflation rate, higher
the money required for
retirement.

4. Health care expenses are likely to
rise as you grow older. You
should start investing in health
from retirement prospective.
Both of these will help in
reducing unlikely medical
expenses during retirement.

5. You need to select asset class
based on your risk appetite. Make
sure you consider equity and debt
both for investment. Consider
past performance and other
factors like benefits and drawback
before making selection of asset
class.

6. Once you are through with
selection of asset class it’s time
to do investment. Rather than
doing lump sum investment at
single go, it is advisable to do
systematic Investment on
monthly basis.

7. You need to regularly review
performance of asset class. If
asset class is not performing up
to the mark,you need to make
appropriate in investments.

8. Planning your retirement is
something you do not want to take
lightly. While retirement is an
exciting time, it is also a time of big
changes in your life.
HDFC Life Click 2 Retire is an online
plan that helps you achieve your
retirement goals by planning well in
advance.

10. Source Link(s): http://moneyexcel.com/8816/successful-retirement-planning
HDFC Standard Life Insurance Company Limited. In partnership with Standard Life Plc. CIN: U99999MH2000PLC128245, IRDAI Reg. No. 101.
Registered Office: HDFC Standard Life Insurance Company Limited, Lodha Excelus, 13th Floor, Apollo Mills Compound, N.M. Joshi Marg, Mahalaxmi, Mumbai 400
011.
Email: Buyonline@HDFCLife.in, Tel No: 1800-266-9777 (9 am to 9 pm).
Life Insurance Coverage is available in this product. For more details on risk factors, associated terms and conditions and exclusions please read sales brochure carefully
before concluding a sale. HDFC Life Click 2 Retire (UIN No: 101L108V02, Form No: P501) is a Unit linked online pension plan. Unit Linked Life Insurance products are
different from the traditional insurance products and are subject to the risk factors. The premium paid in Unit Linked Life Insurance policies are subject to investment risks
associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the insured
is responsible for his/her decisions. HDFC Standard Life Insurance Company Limited is only the name of the Insurance Company, HDFC Life is only the name of the brand
and HDFC Life Click 2 Retire (UIN No: 101L108V02, Form No: P501) is only the name of the unit linked life insurance contract. The name of the company, name of the
brand and name of the contract does not in any way indicate the quality of the contract, its future prospects or returns. Please know the associated risks and the applicable
charges, from your Insurance agent or the Intermediary or policy document of the insurer. The various funds offered under this contract are the names of the funds and do
not in any way indicate the quality of these plans, their future prospects and returns. "The name/letters "HDFC" in the name/logo of the Company belongs to Housing
Development Finance Corporation Limited and is used by HDFC Life under a license/agreement." ARN: MC/08/2016/8456
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