Lorem ipsum dolor sit amet, consectetur adipiscing elit. Praesent gravida commodo libero, a imperdiet velit laoreet ut. Phasellus molestie a mauris eu fermentum. Integer ultrices risus ut fringilla lacinia. Curabitur a risus nunc. Proin imperdiet bibendum suscipit. In pharetra augue a risus sagittis sagittis. Aenean iaculis, sem aliquet scelerisque fermentum, est massa tempus leo, at cursus dolor nisi sit amet erat. Cras mollis metus eros, sit amet posuere diam congue sed. Pellentesque suscipit risus ac orci auctor condimentum. Etiam ut scelerisque sem. Nunc in condimentum tellus. Proin ultricies dictum purus, eget suscipit ante accumsan semper.

Proin facilisis, nisl sit amet aliquam malesuada, risus nulla hendrerit sem, et tempus magna velit non erat. Aliquam sit amet felis leo. Suspendisse tincidunt, erat quis vestibulum pharetra, leo sem ullamcorper tortor, at venenatis purus velit sed diam. Praesent euismod nibh eros, a facilisis neque malesuada vitae.

Vestibulum non felis gravida, condimentum leo sit amet, venenatis odio. Nulla cursus quam sit amet augue pellentesque, eu sodales nulla ultrices. Proin auctor, nunc a bibendum cursus, dolor sem viverra risus, sed pretium justo turpis sed magna. Phasellus auctor nulla a magna tempor gravida. Aenean in porttitor libero. Proin euismod risus nec massa lobortis, nec gravida massa porttitor. Duis justo nunc, facilisis venenatis cursus ut, pretium nec diam. Morbi diam lacus, lobortis sodales odio id, suscipit condimentum libero. Donec et tristique diam, a laoreet velit. Fusce rutrum molestie nunc, in suscipit ligula luctus eu. Donec eleifend convallis lectus, in tincidunt velit rutrum et.

Vestibulum at tempus dolor. Aenean ut ligula tellus. Vestibulum ut odio pellentesque, malesuada massa vitae, auctor ligula. Phasellus a ex diam. Nunc vestibulum fringilla neque ut laoreet. Praesent auctor dolor eu vehicula venenatis. Suspendisse tempus erat rhoncus arcu tempor auctor. Phasellus ultrices scelerisque tellus, ac tincidunt augue aliquet id.

Quisque ullamcorper faucibus nisl, id dictum arcu scelerisque sed. Cras in ornare dolor. Aliquam facilisis nibh ac porta consectetur. Pellentesque maximus sit amet dolor at tempus. Maecenas vitae sapien ex. Cras ac ante eu lacus fermentum tempus non et risus. Integer lacus elit, luctus vel fringilla tincidunt, pellentesque vel neque. Mauris et commodo purus, pretium suscipit mi.

1. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Praesent gravida commodo libero, a imperdiet velit laoreet ut. Phasellus molestie a mauris eu fermentum.

2. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Praesent gravida commodo libero, a imperdiet velit laoreet ut. Phasellus molestie a mauris eu fermentum.

3. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Praesent gravida commodo libero, a imperdiet velit laoreet ut. Phasellus molestie a mauris eu fermentum.

4. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Praesent gravida commodo libero, a imperdiet velit laoreet ut. Phasellus molestie a mauris eu fermentum.

5. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Praesent gravida commodo libero, a imperdiet velit laoreet ut. Phasellus molestie a mauris eu fermentum.

Following are the benefits of retirement plans:

1. Option in investment: Certain retirement plans give you the option to invest in government securities, debt and equities depending on your risk profile.

2. Long-term savings: Retirement plans are long-term savings schemes. Returns are assured.

3. Choose your payouts: You can choose how you wish to receive the annuity payments, either as a lump sum or installments.

4. Works like a life insurance cover: Certain pension plans pay a lump sum on retirement or on death, whichever is earlier. Pension plans work just like a life insurance plan.

5. Negates inflation effect: As retirement plans are for the long-term, the effect of inflation is negated.

6. Access funds during an emergency: Most pension plans allow you to access funds for emergencies.

7. Loan against retirement plans: Certain retirement plans sanction loan against the retirement cor

We believe that retirement is the period of life when one is no longer working for money. He needs to fund his day-today expenses from his savings. Planning for the sunset years requires added importance because people over-estimate what they have and under-estimate how much they need post retirement. Retirement planning helps one maintain his/her pre-retirement lifestyle. If you follow SMILEYS for retirement years, you keep smiling rest of your life.
If you follow SMILEY’S for retirement years, you keep smiling rest of your life.

We as an one of the First PFRDA Retirement Advisor in India, which empanelled on the panel of PFRDA.
We help them to the client’s through government tax saving Social Security Scheme, where they got the good returns on their investments and additional tax savings too.