At the time of retirement, there is a halt in the steady inflow of income over an extended period of time can be detrimental for a person, especially if they are in their old age and predisposed to being vulnerable to illnesses. Therefore, in order to abate the possibility of such circumstances to occur to a long-serving professional and to incentivize retirement-oriented investment plans; many governments and private organizations offer pensions to their retiring employees. In the event, an individual does not have these pension benefits, or they are falling short when compared to their costs and liabilities; a person
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