To ensure that your retirement is not a worrying one you can follow these retirement tips: 1. Start investing early, and in higher-yield instruments. As you approach middle-age, balance this out with safer investments. 2. Have a very clear idea, at least by the time you’re 35, of what kind of life you want to live post-retirement. World trip or retirement home in the country? Or both? That’s the only way you’ll be able to plan effectively for it. 3. And last, but not the least: have a very clear idea of your assets and responsibilities at every stage in your life. Have you budgeted enough to educate your kids and settle them? The last thing you want to do in your 50s is to use your retirement fund to pay for your daughter’s post-graduation in the US!