Market believers can also build strong pensions with annuities

When you grow up and stop working, you need money to live on.

Some people save money by investing it in the stock market, which can grow but can also go down.

Others buy something called an annuity, where you give a company a big amount of money and they promise to pay you a little bit every month for the rest of your life.

An expert named Sarkar says you don't have to pick just one.

When you are young, you can invest in the market to grow your savings.

When you get closer to retirement, you can turn some of that money into an annuity to make sure you always have enough for basics.

This protects you if the stock market crashes right when you retire.

In India's National Pension System, people who retire at 60 can take out up to 60% of their savings at once.

The rest, at least 40%, must be used to buy an annuity.

There are also special annuities for couples, so the money keeps coming even if one person passes away.