Are you going to be retired from your current job in the next couple of years? This is the time to take a wise decision about making your future more secure, probably most of the people face bad experience while doing personal finance before or after the retirement. This is because of their lack of knowledge & misses guidance that they get from different people who have no in-depth knowledge about the best personal finance available in the market.
.Make your future secure, remember your best personal finance adviser is your own predictions about your future expenses, so start your savings accordingly. I always recommend in having saving during your job.
Yes! you can also start some currency trading business after your retirement, this is one of the most profitable industry these days due to the fluctuation in the value of different currencies.
Choose the tax free retirement saving plans as it will be a hassle to face deferred taxes after the retirement, this is the best option indeed. Yes! I am not always a big fan of personal finance scams by banks that attract customers in a short term but that is a hassle to go with in long run. I will recommend you to make your savings in the form of provident fund managed & administered through your company/employer accounts.