Why Provident Funds may not be sufficient for Retirement?

Gene Perret, the famous comedy writer, once written about retirement, “it’s nice to get out of the rat race, but you have to get along with less cheese.” Almost everyone looks forward to that time when they can live a worry-free life, away from the hustle and bustle of office life. On one hand, retirement gives ample time to enjoy the rest of the life; it also compels you to think: How to finance your needs?