What concerns me most about retirement is the insufficient funds or of not been able to have the secured financial assets, investment, no individual retirement, and no annuities. Retirement pension alone I think, wouldn’t be enough, if I were to have an enjoyable life, like going to the beaches, going to unseen places, or maybe owning a vacation house somewhere in the remote area, plus the possibility of giving some amount of cash to closest relatives who would be rendering services like the needed full body massage, maintaining good health, which all of these need extra retirement funds, especially that we all know that retirement is usually relaxation and enjoyment, and money is still involved.