International Journal For Multidisciplinary Research

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Retirement Planning among Unorganised Workers: Strategies and Challenges

Author(s) Akshatha.Eva.Sampson, Pavithra Puthran, Lalan Amin, Shwetha Rachel
Country India
Abstract Retirement is that period of life when an individual is no longer working or at the commencement of such a period. Unorganised working class in India should have a shot at leading a comfortable life after the age of 60. It is a remarkable goal given that retiring would be last thing in the minds of workers as they struggle to make ends meet on a daily basis.
This study investigates the retirement planning practices of unorganized workers, focusing on the strategies they employ and the challenges they face. Through a comprehensive analysis, we examine the various factors influencing retirement planning decisions among this demographic. The study employs a mixed-methods approach, incorporating both quantitative surveys and qualitative interviews to gather insights into the retirement preparedness and financial security of unorganized workers. Our findings highlight the diverse range of strategies adopted by unorganized workers, including informal savings mechanisms, reliance on family support, and participation in government-sponsored schemes. Additionally, we identify key challenges such as irregular income, lack of access to formal financial services, and limited awareness of retirement planning options. By shedding light on these issues, this study aims to inform policymakers, employers, and stakeholders about the unique needs of unorganized workers in planning for retirement and suggests recommendations for addressing these challenges.
Keywords Unorganised, Retirement, Strategies, Challenges
Field Business Administration
Published In Volume 6, Issue 2, March-April 2024
Published On 2024-04-30
Cite This Retirement Planning among Unorganised Workers: Strategies and Challenges - Akshatha.Eva.Sampson, Pavithra Puthran, Lalan Amin, Shwetha Rachel - IJFMR Volume 6, Issue 2, March-April 2024. DOI 10.36948/ijfmr.2024.v06i02.18510
DOI https://doi.org/10.36948/ijfmr.2024.v06i02.18510
Short DOI https://doi.org/gtsnv6
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