text: yaar,mujhe toh yeh naya pension scheme kaafi achha laga, humare budhape ke liye kuch toh bacha rahega, tumhe kya lagta hai, kya yeh effective hoga?haan, par mujhe samajh nahi aata ki kya humare liye yeh schemes samay par implement hongi ya nahi, waise bhi kabhi kabhi policy badalti hai, toh kya pata?