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@article{193368,
        author = {ASMIT SHAH and NEEL BHANUSHALI and SREERAJ RAJEEV and JASWANT PRAJAPATI and TAUHID PATEL and Prof. Saroj Dayashankar Jha},
        title = {Retirement Planning for the Age Group 45–60},
        journal = {International Journal of Innovative Research in Technology},
        year = {2026},
        volume = {12},
        number = {10},
        pages = {147-149},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=193368},
        abstract = {Retirement planning is a crucial financial process, especially for individuals between the ages of 45 and 60, as this phase represents the final and most decisive period for wealth accumulation. This research paper examines retirement planning practices, financial preparedness, investment behavior, pension systems, and challenges faced by individuals in this age group. The study also highlights the role of financial literacy, healthcare costs, inflation, and government-supported retirement schemes in ensuring post-retirement financial security. The paper is based on secondary data collected from journals, reports, and government publications and aims to provide practical insights and recommendations for effective retirement planning.},
        keywords = {},
        month = {March},
        }