text: main toh sochti hoon ki retirement ke liye acha plan banana zaroori hai,lekin mere relatives toh sirf pension schemes ki baatein karte hain, tum kya sochti ho?pension schemes bhi zaroori hain, par mujhe lagta hai ki diversified portfolio banana chahiye, taaki retirement ke baad bhi financial freedom mile, kya tumne kabhi socha hai?