Ideally saving money for retirement should start when you start earning may be in the early 20’s so you have more time for your money to grow. • FD’s ,Endowment policies still remain favourite in a way of safe way of investing however people are becoming aware about the benefits of investing in mutual funds and SIP’s • A Fixed Deposit offers fixed returns which do not change throughout the tenure of investments whereas Mutual Funds offer better returns on long-term investments as they are market-linked. • Mutual funds allow you to own stock in hundreds of companies at once and spread out your risk. If something happens to one company in your mutual fund, your entire retirement strategy won't go down. • Remember,Longer the tenure of investment, better the returns from Mutual Funds. Start planning your retirement by investing in Mutual Funds.Its Safe,Secure and offers Higher returns than other traditional methods of investments.