text: Main soch rahi thi ki kya pension plans bhi consider karne chahiye, kyunki kabhi kabhi fixed income ka option bhi zaroori hota hai, tum kya sochti ho?Pension plans toh sahi hain, lekin unke benefits aur drawbacks ko achhe se samajh lena chahiye, kyunki kabhi kabhi unki returns market se kam bhi hoti hain.