CIVIL

SUPPER[8.00PM – 10.00 PM]

BULLET 2Being realistic about rates of return, as you are thinking that the rate of return would be around 8% -9% but actually, it would be 5%-6%

BULLET 2Don’t forget about inflation and depreciation of money and your medical bills.

  • Retirement benefits
  • Social security schemes
  • Travelling and foreign tour