Retirement means a lot to a person who has struggled all through her/ his life to settle peacefully with their selves and their family. A few years of well-earned time after having left the rat race behind! After all, you get only 30 years to earn, to support an entire life of 90 years – more if you have a family. Your Risk-taking capacity at this age is very low, with the safety of investment, liquidity and returns becoming more important.