Term Insurance AWARD WINNING

Investment Plans New Fund Offer

NRI Plans

All Plans

Customer Service

Calculators

Fund Performance

Things to Do After Retirement

Retirement allows you to spend time on your interests, marking the start of a new phase. Many people look for meaningful activities that give ... Read more purpose and peace of mind. Knowing the right things to do after retirement supports physical balance, emotional stability, and structured daily living without pressure or uncertainty. With a retirement plan individuals can stay financially secure and engage in activities they like. This article explains what to do after retirement. Read less

Retirement allows you to spend time on your interests, marking the start ... Read more of a new phase. Many people look for meaningful activities that give purpose and peace of mind. Knowing the right things to do after retirement supports physical balance, emotional stability, and structured daily living without pressure or uncertainty. With a retirement plan individuals can stay financially secure and engage in activities they like. This article explains what to do after retirement.Read less

In this policy, the investment risk in investment portfolio is borne by the policyholder.

Pay ₹1 Lakh/year⁹
Get ₹6.69 Lakh lifetime annual pension

Build retirement corpus with
top rated funds¹

Zero premium allocation charges

Withdraw fund for emergencies²

⁹Illustrative Returns: @4%: ₹3.66 Lakh. @8%: ₹6.69 Lakh
Policy Term: 25 years. Past performance is not indicative of future performance. T&C apply. The linked insurance product do not offer any liquidity during the first five years of the contract. The policy holder will not be able to surrender/withdraw the monies invested in linked insurance products completely or partially till the end of the fifth year.

Calculate
Premium

Meet
an Advisor

Pension Calculator

Full name (First and last)

Date of birth

Are you an NRI?

Yes

Gender

Male

Female

Do you smoke?

Yes

Email ID

Calculate
Premium

Meet
an Advisor

What to do after retirement?

After retirement, many individuals shift focus from professional responsibilities to personal fulfillment and routine stability. For example, a retired teacher may begin volunteering locally while learning painting. Such real-life transitions show how retirement can allow taking up hobbies, social contact. Activities that match one’s interests and financial planning often enhance personal satisfaction.

Tata AIA’s Best Selling Retirement Plans

Tata AIA

Smart Pension Secure

Build retirement corpus with top rated funds¹
Zero premium allocation charges
Withdraw fund for emergencies²

Calculate Premium

Non-Participating, Unit Linked, Individual Life Insurance Pension Plan (UIN: 110L182V07)

Tata AIA

Fortune Guarantee Pension

Get guaranteed³ regular income post-retirement
Avail loan against the policy
Get tax benefits⁴ as per applicable tax laws

Calculate Premium

Non-Linked Non-Participating Individual Life Insurance Plan (UIN:110N161V13)

Activities to do after retirement

Let's understand what things to do after retirement:

Exploring new destinations:

Travelling becomes more manageable after retirement due to flexible schedules and fewer commitments. Individuals can plan short domestic trips or longer international journeys based on their interests. They can manage travel expenses without disrupting daily needs for retirement plans. Travel supports cultural exposure, social interaction, and mental freshness during retirement years.
Creative and personal interests:

Pursuing creative interests is one of the activities to do after retirement, which supports emotional balance and daily structure. Activities such as writing, gardening, music, or crafts allow expression without pressure. Personal hobbies often bring routine and self-satisfaction during retirement.
Sharing experience as a mentor:

Many retirees choose mentoring roles to share professional knowledge with younger individuals. Mentorship allows involvement without formal responsibility. Educational institutions and community programmes often welcome experienced mentors for guidance-based contributions. With retirement plans, individuals can ensure stability while engaging in advisory roles.
Teaching and academic support:

Tutoring allows retirees to remain mentally active while supporting students. Subjects may include academics or practical skills. Both online and offline tutoring options allow retirees to engage comfortably based on preference.
Community and social contribution:

Social work allows retirees to contribute time toward meaningful causes. Activities may include NGO support, care centres, or community programmes. Individuals can manage personal commitments while supporting social responsibility by opting for suitable retirement plans. Such involvement supports emotional well-being and structured engagement after retirement.
Art and skill development:

Painting, music, sculpting or other skill-based activities support mental peace. Many community centres provide various art sessions for retirees. Artistic practice supports relaxation and daily routine during retirement.
Daily lifestyle engagements:

Lifestyle activities like baking, pottery, or gardening support structured days. These activities encourage patience and creativity. Lifestyle engagement helps retirees maintain routine and interest without pressure.
Physical fitness and sports:

Physical movement supports health balance and energy during retirement. Activities such as yoga, walking, swimming, or badminton suit different fitness levels. With the pension from retirement plans one can comfortably cover materials, equipment, or class expenses. Group sports also stimulate social interaction and a healthy focus.
Relaxation and entertainment:

Relaxation activities are essential during your retirement life. Reading, puzzles, meditation, and films allow you to avoid stress. Entertainment without schedules helps retirees maintain emotional steadiness.

Conclusion

Retirement provides individuals the space for choice, learning, and contribution. With thoughtful planning, retirees can balance enjoyment, purpose, and financial requirements. A well-prepared retirement plan also helps you handle rising healthcare costs and unexpected life events easily. Structured retirement planning through a trusted insurer supports clarity during retirement years, ensuring financial independence and stability.

What can I do after retirement?

The best things to do after retirement are to tutor students, work on their hobbies, help with social causes, guide others, and pursue personal interests calmly.

How to enjoy life after retirement?

Life after retirement can feel cheerful through daily routines, physical movement, creative interests, social interaction, and relaxation activities.

What is the best age to retire?

The suitable age for retirement depends on different employment terms, financial readiness of the person, and personal preference, although many retire between sixty and sixty-five.

What to know before retiring?

Before retiring, individuals should review savings, income sources, insurance policies, assets, and long-term living requirements carefully.

What to do when you first retire?

After retiring, individuals should organise finances, review pensions, manage investments, and slowly build routines with suitable activities.

The linked insurance product do not offer any liquidity during the first five years of the contract. The policy holder will not be able to surrender/withdraw the monies invested in linked insurance products completely or partially till the end of the fifth year.
Tata AIA Smart Pension Secure (UIN: 110L182V07) - Non-Participating, Unit Linked, Individual Life Insurance Pension Plan
The complete name of Tata AIA Fortune Guarantee Pension is Tata AIA Life Insurance Fortune Guarantee Pension (UIN:110N161V13) - A Non-Linked, Non-Participating, Annuity Plan.
¹All funds open for new business which have completed 5 years since inception are rated 4 star or 5 star by Morningstar as of December 2025.
©2025 Morningstar. All rights reserved. The Morningstar name is a registered trademark of Morningstar, Inc. in India and other jurisdictions. The information contained here: (1) includes the proprietary information of Morningstar, Inc. and its affiliates, including, without limitation, Morningstar India Private Limited (“Morningstar”); (2) may not be copied, redistributed or used, by any means, in whole or in part, without the prior, written consent of Morningstar; (3) is not warranted to be complete, accurate or timely; and (4) may be drawn from data published on various dates and procured from various sources and (5) shall not be construed as an offer to buy or sell any security or other investment vehicle. Neither Morningstar, Inc. nor any of its affiliates (including, without limitation, Morningstar) nor any of their officers, directors, employees, associates or agents shall be responsible or liable for any trading decisions, damages or other losses resulting directly or indirectly from the information.
²Partial withdrawals only available 3 times during the entire policy term and only for reasons specified in IRDA Regulations as amended from time to time
³The word Guaranteed and Guarantee means the annuity payout is fixed at inception of the policy and will be payable for whole of life or till death of the Annuitant(s).
⁴Income Tax benefits would be available as per the prevailing income tax laws under old tax regime, subject to fulfillment of conditions stipulated therein. Income Tax laws are subject to change from time to time. Tata AIA Life Insurance Company Ltd. does not assume responsibility on tax implications mentioned anywhere on this site. Please consult your own tax consultant to know the tax benefits available to you.
⁹Illustration shows annual premium of ₹1,00,000 for Tata AIA Smart Pension Secure for a 35-year-old male, standard life, premium payment term: 25 years, policy term: 25 years. Annuity payable values shown are only for illustrative purposes only, actual values will depend on the rates prevailing at the time of annuitization. The illustrated annuity values consider 100% annuitization and Complete Annuity Booster. 4% and 8% are assumed rates of returns. Total maturity amount at 4% returns: ₹3,66,347 and 8% returns: ₹6,69,654
Some benefits are guaranteed, and some benefits are variable with returns based on the future performance of your insurer carrying on life insurance business. If your policy offers guaranteed benefits, then these will be clearly marked “guaranteed’ in the illustration table on this page. If your policy offers variable benefits, then the illustrations on these pages will show two different rates of assumed future investment returns. Currently the gross investment returns are stipulated as 4% p.a. and 8% p.a. These assumed rates of return are not guaranteed, and these are not the upper or lower limits of what you might get back, as the value of your policy is dependent on a number of factors including actual future investment performance.
Source: https://www.financialexpress.com/business/healthcare/indias-healthcare-costs-to-rise-13-in-2025-beat-global-average-report/3800929/
Source: https://www.pib.gov.in/PressReleasePage.aspx?PRID=2122148®=3&lang=2
For ULIP products
- Unit Linked Life Insurance products are different from the traditional insurance products and are subject to the risk factors. Please know the associated risks and the applicable charges, from your Insurance Agent or Intermediary or Policy Document issued by the Insurance Company.
- The fund is managed by Tata AIA Life Insurance Company Ltd. For more details on risk factors, terms and conditions please read Sales Brochure carefully before concluding a sale. The precise terms and condition of this plan are specified in the Policy Contract.
- Past performance is not indicative of future performance. Returns are calculated on an absolute basis for a period of less than (or equal to) a year, with reinvestment of dividends (if any).
- Investments are subject to market risks. The Company does not guarantee any assured returns. The investment income and price may go down as well as up depending on several factors influencing the market.
- Please make your own independent decision after consulting your financial or other professional advisor.
- Tata AIA Life Insurance Company Limited is only the name of the Insurance Company & the Unit linked insurance product with Tata AIA /Tata AIA Life Insurance as its prefix is only the name of the Unit Linked Life Insurance contract and does not in any way indicate the quality of the contract, its future prospects or returns.
- The performance of the managed portfolios and funds is not guaranteed, and the value may increase or decrease in accordance with the future experience of the managed portfolios and funds.
- Premium paid in the Unit Linked Life Insurance Policies are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of fund and factors influencing the capital market and the Insured is responsible for his/her decisions.
- Please know the associated risks and the applicable charges, from your insurance agent or the Intermediary or policy document issued by the Insurance Company.
- L&C/Advt/2026/Feb/0885