Most people spend their initial working years taking care of the dependents and providing for them. It is not until they are in their forties or fifties that they start thinking about retirement and planning about it. They tend to rely on employer benefits like PPF, Insurance, etc. for their retirement needs often realizing too late, that it's not enough. At this time, questions like, "Have I saved enough?", "When should I retire?" and "How much will I need for retirement?" start cropping up.