Apart from the Provident Fund, most employers in the non-governmental sector do not have any retirement benefits, and the provident fund itself is already committed to various financial necessities when the time comes for the employee to retire.

A Vishrama Savings & Pension Plan provides the guaranteed returns to the employer/employee in the form of a capital sum at the time of retirement. This capital sum could be utilised to purchase a pension, which again will be guaranteed at the time of purchase.

Janashakthi is perhaps one of the few companies, which provides a guaranteed long-term return during the savings period, unlike banks and other financial institutions.

Employers would do well to consider the necessity to provide retirement benefits to their employees in the present day and age when longevity is becoming a serious problem, and old family values and systems are coming apart. The employee when he is retired would want to be self-sufficient, and provide for himself and his spouse through out retired life. A pension policy is the only way in which this could be achieved.