I completely diagree to this view point all said but it shouldn't stop anyone from investing.At early stage you should start investing for retirement. A simple saying "jab pyas lage tab kuan nahi khoda jata" so be prepared for all uncertainty and make yourself financially strong, no person other then you can decide how much you want to save or how you will require in retirement, you only decide whether you are a risk taker or not.
As u sow during u r younger years of life, may be moral ethical or financial, u will reap the same, and that is the moral of this kaliyug, so don't think and increase u BP, sugar - keep cool and wait for the destiny.
All govt. servants in India are not bothered for it, as they are getting DA linked pension now, thus biggest burden on tax payers without any work and investment. They also get free medical till death i.e. heart and knee operation too, as just no worry for them.
