{"id":25645929,"date":"2026-05-07T12:06:17","date_gmt":"2026-05-07T06:36:17","guid":{"rendered":"https:\/\/entri.app\/blog\/?p=25645929"},"modified":"2026-05-08T12:19:37","modified_gmt":"2026-05-08T06:49:37","slug":"complete-pension-checklist-plan-smart-before-retirement","status":"publish","type":"post","link":"https:\/\/entri.app\/blog\/complete-pension-checklist-plan-smart-before-retirement\/","title":{"rendered":"Complete Pension Checklist: Plan Smart Before Retirement"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6a04dcdcbbbea\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6a04dcdcbbbea\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/entri.app\/blog\/complete-pension-checklist-plan-smart-before-retirement\/#Key_Takeaways\" >Key Takeaways<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/entri.app\/blog\/complete-pension-checklist-plan-smart-before-retirement\/#Introduction\" >Introduction<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/entri.app\/blog\/complete-pension-checklist-plan-smart-before-retirement\/#1_Check_Your_Current_Savings\" >1. Check Your Current Savings<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/entri.app\/blog\/complete-pension-checklist-plan-smart-before-retirement\/#2_Account_for_Inflation_The_%E2%80%9CRising_Price%E2%80%9D_Factor\" >2. Account for Inflation (The &#8220;Rising Price&#8221; Factor)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/entri.app\/blog\/complete-pension-checklist-plan-smart-before-retirement\/#3_Use_Government_Schemes_EPF_and_NPS\" >3. Use Government Schemes (EPF and NPS)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/entri.app\/blog\/complete-pension-checklist-plan-smart-before-retirement\/#4_Dont_Be_Afraid_of_Mutual_Funds\" >4. Don&#8217;t Be Afraid of Mutual Funds<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/entri.app\/blog\/complete-pension-checklist-plan-smart-before-retirement\/#5_Get_Your_Own_Health_Insurance\" >5. Get Your Own Health Insurance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/entri.app\/blog\/complete-pension-checklist-plan-smart-before-retirement\/#6_Pay_Off_Your_Loans\" >6. Pay Off Your Loans<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/entri.app\/blog\/complete-pension-checklist-plan-smart-before-retirement\/#7_Build_an_Emergency_Fund\" >7. Build an Emergency Fund<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/entri.app\/blog\/complete-pension-checklist-plan-smart-before-retirement\/#8_Tax_Planning\" >8. Tax Planning<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/entri.app\/blog\/complete-pension-checklist-plan-smart-before-retirement\/#9_Fix_Your_Paperwork\" >9. Fix Your Paperwork<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/entri.app\/blog\/complete-pension-checklist-plan-smart-before-retirement\/#10_Stay_Active_and_Happy\" >10. Stay Active and Happy<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/entri.app\/blog\/complete-pension-checklist-plan-smart-before-retirement\/#Conclusion\" >Conclusion<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Key_Takeaways\"><\/span><strong>Key Takeaways<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li><strong>Save Early:<\/strong> The earlier you start saving, the more your money grows thanks to &#8220;compounding.&#8221;<\/li>\n<li><strong>Beat Inflation:<\/strong> Prices rise every year; your savings must grow faster than the cost of milk and petrol.<\/li>\n<li><strong>Mix Your Investments:<\/strong> Use a combination of safe government schemes (EPF, PPF) and growth-oriented options (Mutual Funds).<\/li>\n<li><strong>Health is Wealth:<\/strong> Get a separate medical insurance policy so your savings aren&#8217;t spent on hospital bills.<\/li>\n<li><strong>Zero Debt:<\/strong> Aim to pay off all loans before you stop working.<\/li>\n<li><strong>Update Nominees:<\/strong> Ensure your family is mentioned as nominees in all your bank accounts and policies.<\/li>\n<\/ul>\n<p style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/course\/personal-finance-course-in-kerala\/\" target=\"_blank\" rel=\"noopener\"><b>Ace your personal finance journey with Entri&#8217;s Personal Finance Course. Join Now!<\/b><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Introduction\"><\/span><strong>Introduction<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Whenever you hear the word \u2018retirement\u2019, it sounds like a long holiday. The thoughts that first come to your mind are waking up without an alarm, traveling, or finally starting that garden you always wanted.<\/p>\n<p>However, in India, where the cost of living is rising fast, a happy retirement doesn&#8217;t happen by accident. It happens by planning. Since most of us don&#8217;t have a government &#8220;pension&#8221; anymore, we have to build our own. This <strong>pension planning checklist<\/strong> will show you exactly how to prepare, step-by-step, in a way that is easy to follow.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-25645935 \" src=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/94923.webp\" alt=\"Pension Plan\" width=\"498\" height=\"279\" srcset=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/94923.webp 1500w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/94923-300x168.webp 300w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/94923-1024x574.webp 1024w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/94923-768x431.webp 768w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/94923-150x84.webp 150w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/94923-750x421.webp 750w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/94923-1140x639.webp 1140w\" sizes=\"auto, (max-width: 498px) 100vw, 498px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"1_Check_Your_Current_Savings\"><\/span><strong>1. Check Your Current Savings<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The first step, before you plan for the future, is to check what you have right now. Start by making a simple list:<\/p>\n<ul>\n<li>How much money is there in your bank account?<\/li>\n<li>What is your current EPF (Employee Provident Fund) balance?<\/li>\n<li>Do you have any gold, land, or LIC policies?<\/li>\n<li>Do you owe money on a car or home loan?<\/li>\n<\/ul>\n<p>The first step in any <strong>pension planning checklist <\/strong>is to know your starting point. It helps you see how much more you need to save to reach your goal.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"2_Account_for_Inflation_The_%E2%80%9CRising_Price%E2%80%9D_Factor\"><\/span><strong>2. Account for Inflation (The &#8220;Rising Price&#8221; Factor)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>As you know, in India, things get more expensive every year. Assume that you spend \u20b940,000 a month today. After twenty years, you might need \u20b91,20,000 to lead the exact same lifestyle. Due to this factor called inflation, when you plan your pension, don&#8217;t just think about today\u2019s prices.<\/p>\n<p>Always calculate for the future. If you don&#8217;t account for rising prices, your savings might run out halfway through your retirement.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"3_Use_Government_Schemes_EPF_and_NPS\"><\/span><strong>3. Use Government Schemes (EPF and NPS)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>For most Indian workers, the <strong>EPF<\/strong> is a great gift. It\u2019s safe, and the interest is usually better than a savings account. However, EPF alone is rarely enough.<\/p>\n<p>You should also look at the <strong>National Pension System (NPS)<\/strong>. It is a government-backed scheme where you can choose to put some money into the stock market (for growth) and some into safe bonds. It also gives you extra tax savings. Including NPS in your <strong>pension planning checklist<\/strong> is a smart way to build a bigger fund.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"4_Dont_Be_Afraid_of_Mutual_Funds\"><\/span><strong>4. Don&#8217;t Be Afraid of Mutual Funds<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-25645933 \" src=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/25579775-scaled.webp\" alt=\"Pension Plan\" width=\"501\" height=\"263\" srcset=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/25579775-scaled.webp 2560w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/25579775-300x158.webp 300w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/25579775-1024x538.webp 1024w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/25579775-768x404.webp 768w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/25579775-1536x808.webp 1536w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/25579775-2048x1077.webp 2048w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/25579775-150x79.webp 150w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/25579775-750x394.webp 750w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/25579775-1140x599.webp 1140w\" sizes=\"auto, (max-width: 501px) 100vw, 501px\" \/><\/p>\n<p>Many people in India stick only to Fixed Deposits (FDs). While FDs are safe, the interest they pay is often lower than the rate of inflation. The<a href=\"https:\/\/www.reuters.com\/sustainability\/boards-policy-regulation\/less-than-10-indian-households-invested-securities-markets-regulators-survey-2025-09-30\/\">\u00a0<\/a>sad truth is that only nearly 9.5% of households in India have investments in securities like equities and mutual funds.<\/p>\n<p>To truly grow your wealth, you need to put some money into Equity Mutual Funds. Over 10 or 15 years, these usually give much better returns. You don&#8217;t need to be an expert; you can start a Small Investment Plan (SIP) with as little as \u20b9500 a month.<\/p>\n<p>The latest data, as of April 2026 shows that mutual fund holdings have risen for the 11th consecutive quarter to hit a record figure of 11.46%. This was mainly due to sustained inflows from individual investors.<\/p>\n<p><span style=\"color: #333333; font-size: 15px;\"><div class=\"lead-gen-block\"><a href=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/04\/Personal-Finance-coursePDF.pdf\" data-url=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/04\/Personal-Finance-coursePDF.pdf\" class=\"lead-pdf-download\" data-id=\"25556854\"><\/span><\/p>\n<p style=\"text-align: center;\"><button class=\"btn btn-default\">free download PERSONAL FINANCE course roadmap<\/button><\/p>\n<\/a><\/div>\n<h2><span class=\"ez-toc-section\" id=\"5_Get_Your_Own_Health_Insurance\"><\/span><strong>5. Get Your Own Health Insurance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-25645934 \" src=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/3927.webp\" alt=\"Pension Plan\" width=\"502\" height=\"282\" srcset=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/3927.webp 1500w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/3927-300x168.webp 300w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/3927-1024x575.webp 1024w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/3927-768x431.webp 768w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/3927-150x84.webp 150w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/3927-750x421.webp 750w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/3927-1140x640.webp 1140w\" sizes=\"auto, (max-width: 502px) 100vw, 502px\" \/><\/p>\n<p>This is the most important part of your <strong>pension planning checklist<\/strong>. As we get older, health issues are common. If you rely only on the insurance provided by your office, you will be unprotected the moment you retire. Buying insurance at age 60 is very expensive and difficult. Buy a personal health insurance policy now, while you are healthy, so it covers you when you are old.<\/p>\n<p>After<a href=\"https:\/\/www.business-standard.com\/finance\/insurance\/gst-rationalisation-impact-share-of-high-value-health-policies-doubles-126050401252_1.html\">\u00a0<\/a>the Central Government cutting down goods and services tax (GST) rates from 18% to 0% for individual health insurance policies, the share of high-value health insurance policies, with sum insured falling between Rs.20 lakh to more than Rs.1 crore has more than doubled in the last eight months.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"6_Pay_Off_Your_Loans\"><\/span><strong>6. Pay Off Your Loans<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Your retirement years should be &#8220;stress-free.&#8221; If you are still paying monthly installments (EMIs) for a house or a car after you retire, it will eat up your pension.<\/p>\n<p>Believe it or not, only 38% of Indians are debt-free and the worst part is that among people aged 60 years and above, 31% of them are still dealing with EMIs. Make it a goal to be 100% debt-free at least two or three years before your last day of work.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"7_Build_an_Emergency_Fund\"><\/span><strong>7. Build an Emergency Fund<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-25645936 \" src=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/110520.webp\" alt=\"Pension Plan\" width=\"498\" height=\"332\" srcset=\"https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/110520.webp 1500w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/110520-300x200.webp 300w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/110520-1024x683.webp 1024w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/110520-768x512.webp 768w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/110520-150x100.webp 150w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/110520-750x500.webp 750w, https:\/\/entri.app\/blog\/wp-content\/uploads\/2026\/05\/110520-1140x760.webp 1140w\" sizes=\"auto, (max-width: 498px) 100vw, 498px\" \/><\/p>\n<p>Sometimes, life throws a curveball at you. It may be an unexpected emergency like a leaky roof, a sudden family wedding, or a car repair. Thus, you should always have enough cash in a simple savings account to cover 6 to 12 months of expenses.<\/p>\n<p>This way, you won\u2019t have to touch your long-term retirement investments for small emergencies. The<a href=\"https:\/\/www.business-standard.com\/finance\/personal-finance\/only-38-indians-debt-free-40-lack-emergency-fund-what-a-survey-reveals-124072601107_1.html\">\u00a0<\/a>most shocking part is that nearly 40% of affluents and HNIs in India do not have a sufficient emergency fund.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"8_Tax_Planning\"><\/span><strong>8. Tax Planning<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Did you know that some pension income is taxable? When you withdraw money from certain schemes, the government might take a portion as tax. Talk to a friendly advisor or use online calculators to see which investments offer &#8220;tax-free&#8221; withdrawals. The goal is to keep as much of your hard-earned money as possible.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"9_Fix_Your_Paperwork\"><\/span><strong>9. Fix Your Paperwork<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Make sure all your investments have a &#8220;Nominee.&#8221; A nominee is the person (like a spouse or child) who gets the money if something happens to you.<\/p>\n<p>Also, write down all your account details and passwords in a safe place and tell your family where it is. Having a clear <strong>pension planning checklist<\/strong> also means making things easy for your loved ones.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"10_Stay_Active_and_Happy\"><\/span><strong>10. Stay Active and Happy<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Money is important, but retirement is also about how you spend your time. Think about what you will do all day. Will you teach? Will you travel? Staying active keeps your mind sharp and your body healthy, which actually saves you money on doctor bills in the long run!<\/p>\n<p style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/course\/personal-finance-course-in-kerala\/\" target=\"_blank\" rel=\"noopener\"><b>Ace your personal finance journey with Entri&#8217;s Personal Finance Course. Join Now!<\/b><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>While planning for your retirement days, there is nothing to be scared of or be upset about. It\u2019s just about being disciplined today so you can be comfortable tomorrow.<\/p>\n<p>A major benefit of following this <strong>pension planning checklist<\/strong> is that you can make sure that you won&#8217;t have to depend on anyone else for money. All you have to do is to start small, stay consistent, and watch your &#8220;Golden Years&#8221; shine.<\/p>\n<div class=\"alert alert-warning\"><strong>Disclaimer:<\/strong>\u00a0The information provided in this article is for general informational purposes only and is not intended as investment advice, financial guidance, or an offer or solicitation to buy or sell any securities. Readers should conduct their own research or consult a qualified financial advisor before making any investment decisions. The author(s) and the publisher disclaim any liability for any loss or damage arising directly or indirectly from the use of or reliance on the information provided herein.<\/div>\n<div>\n<table>\n<tbody>\n<tr>\n<td colspan=\"2\">\n<p style=\"text-align: center;\"><b>RELATED POSTS<\/b><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/blog\/how-to-plan-for-retirement-in-your-40s\/\" target=\"_blank\" rel=\"noopener\"><b>How to Plan for Retirement in Your 40s?<\/b><\/a><\/td>\n<td>\n<p style=\"text-align: center;\"><a href=\"https:\/\/entri.app\/blog\/how-to-calculate-retirement-corpus\/\" target=\"_blank\" rel=\"noopener\"><b>What is Retirement Corpus? 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Mix Your Investments: Use a combination of safe government schemes (EPF, PPF) and growth-oriented options (Mutual Funds). Health is Wealth: [&hellip;]<\/p>\n","protected":false},"author":137,"featured_media":25646053,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[802,1867],"tags":[],"class_list":["post-25645929","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","category-stock-marketing"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Complete Pension Checklist: Plan Smart Before Retirement<\/title>\n<meta name=\"description\" content=\"Yet to think seriously about retirement planning? 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