Retirement planning is an integral part of financial planning for any individual. "Expenses during retirement only tend to go up. While some expenses, such as commuting and formal clothes, may come down, others might shoot up. Hence it's important to do retirement planning that can offer a regular income after retirement," says Renu Maheswari, chief executive officer and principal advisor, Finzscholarz Wealth Manager, and a Sebi-registered investment advisor. While there are several retirement plans available, the ones offered by the government are considered safer. We take a look at four government-backed pension plans.