Retirement is the ultimate goal for everyone. We work, save, and invest so that we can kick back and retire comfortably, but a vast majority of Indians aren't ready for their retirement. This is due to structural economic issues, lack of awareness about the need for retirement planning, the lack of quality advice, among other reasons. PGIM India Mutual releases an annual survey of retirement readiness among Indians, and the last one was in 2020. Given that we're living through this mega COVID shock that has disrupted the personal finances of pretty much everybody, we thought it would be the perfect time to talk about the importance of retirement. So Sahil caught up with Ajit Menon, the CEO of PGIM India Mutual.  In this conversation, Ajit talks about: What does retirement mean The good, bad, and the ugly from the PGIM India Mutual Fund Retirement Readiness Survey 2020 Why are Indians saving less? How has COVID changed retirement planning Why should you think about retirement? Thinking about how to structure various aspects of your retirement How to build that mindset to think about retirement readiness Retirement readiness around the world Advice for someone starting to think about retirement today And a whole lot more. This conversation was absolutely brilliant and full of insights. We hope you enjoy it as much as we did recording it.  If you have any questions about anything discussed in the episode or thoughts in general, do post them here on TradingQnA.