Planning for a comfortable retirement is one of the most difficult assignments for most people. One major reason is that people often do not have an idea how to get started. Worst of all a number of employees and people in the informal sector in this part of the world reduce retirement planning to the national pension scheme, what we call the Social Security and National Insurance Trust (SSNIT) in Ghana.SSNIT is a statutory public trust charged under the National Pension Act, 2008, Act 766 for the administration of Ghana’s Basic National Social Security Scheme.