Copyright © 2026 Authors retain the copyright of this article. This article is an open access article distributed under the Creative Commons Attribution License which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.

@article{199197,
        author = {Ms. Aditi Vishnoi and Dr. Himani Grewal and Mr. Avinash Saxena},
        title = {Retirement Investment Behaviour of Young Employeesin HEI’s: Strengthening Financial Preparedness for Viksit Bharat 2047},
        journal = {International Journal of Innovative Research in Technology},
        year = {2026},
        volume = {12},
        number = {11},
        pages = {12118-12126},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=199197},
        abstract = {Financial planning now depends on retirement investment behavior because young Indian workers who will drive future workforce growth need to learn about this critical element. The study examines how young professionals save and invest money while assessing their understanding of retirement planning tools and their financial readiness factors. The research employs descriptive and analytical methods to analyze secondary literature and survey findings which provide insights into long-term financial attitudes and investment choices and risk preference patterns.
The results show that young workers recognize retirement security's importance yet they participate in structured retirement plans at low levels because they lack financial literacy and they prefer spending their money on immediate needs and their employers do not provide them with proper guidance. The study demonstrates that financial education needs to start at an early age while policymakers need to create incentives and businesses should develop easy-to-use trustworthy investment solutions to achieve better investment participation. The advancement of Viksit Bharat 2047 development target requires India to enhance retirement investment practices among its young workforce because this will protect their individual safety while driving the nation's economic development.},
        keywords = {Retirement planning, young employees, investment behaviour, financial preparedness, Viksit Bharat 2047},
        month = {April},
        }