Abstract
The abstract provides an overview of national bonds and pension schemes. National bonds, issued by governments, offer investors a safe investment option with fixed or variable interest rates. They are used to finance government projects and are considered less risky than corporate bonds due to government backing. However, they carry risks such as interest rate and inflation risks. Pension schemes are essential for retirement planning, but their structure and benefits vary. Individuals should assess their options and supplement pensions with additional savings for a secure retirement. Key Words: Retirement planning, Pension schemes, Government debt.
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