“An empirical study on demographic factors influencing investment for retirement savings”

The study aims to assess the structural factors which influence the Investors towards the Retirement Savings. Primary Study was conducted in major cities of Gujarat. The primary data were collected through the structured questionnaire. For the purpose of the study data collected from the investors who are having an investments. Respondents are investors drawn through the convenience sampling method. Demographic and Socio-economical factors’ impact on Retirement Savings. This study assess the key factors regarding the Investor's attitude towards Retirement savings and mainly focus on the need to provide the financial education to the investor to change their attitudes towards the Retirement savings which brings the benefits during life. Moreover to that there are several factors which can bearing a weightage during the investment decision. Level of income and investment for Retirement both are related and also dependent on the each other in the realistic aspects to. Observation shows that 53% investors falling in the category of Income Less than Rs.4 Lac. and 32% respondents falling in the income group Rs.4 Lac.