Have you ever considered yourself say about thirty five years from now?
Old, tired and broke?
Have you thought of what would happen to your teeming number of dependents especially kids in school,extended family or real estate that requires regular maintenance?

I've been looking at the Nigerian situation closely and i don't think i like the available retirement plans at our disposal.
I like to consider the future whenever i take decisions that affect me and i haven't been quite happy lately considering the situation.

I am interested in finding a legitimate retirement plan that is not connected to the stock market. I already have an RSA and I just wonder if there is anything else available to limit risk from the stocks. I am also aware of forex ira's and bonds but Im looking for something truly unique.

Have you got any ideas you want to share?
What are your plans for retirement?

Paying my bills and chilling at home.

Its about you deciding what you would want your future to be like and planning ahead now, start immediately if possible. It sum up to you having a source that would earn you income on regular bases. Heard the phrase "making your money work for you"? yea, thats the starting point. If you are able to understand what that phrase mean then you would think up something.

Its about investing your money on something that would earn you regular income while you are still working and earning salary. But it has to be something you know much about so you dont things complicated for yourself, better still you can have someone trustworthy to manage it for you.

With this, you have your monthly revenue going on the rise and you can afford to save much for the future.

Retirement shouldn't be about just money. Though, of course, securing your future through investment is part of it. But more important is what kind of life you should be living when you're too old for the daily hustle and grind.

Regarding investment:
I think the primary should be your pension plan (what you referred to as RSA), if that works out in this country. At least that guarantees your day to day living in reasonable comfort. But you should have a diversified investment portfolio: stocks, bonds, funds, property. The best investments I seem to have made is in property, going by what has happened in the last two years. You also need to somehow either float a personal business, or at least invest in some sort of going concern. Running a business is tough in these parts, with all the staffing problems, overhead issues, as well as the slow industrial climate, but there are still a few things you can do either on your own, or with some trusted partners.

And the others:
To me, the quality of your retirement years is 100% dependent on what you do now. A lot of people just let time slide by, or waste time and effort doing what they think is the right thing, and then it becomes too late to change. Since I've left school, I've always been on the go, doing one thing or the other. Right now I work full-time, have a stake in a holding company that has a network of businesses, and I do a lot of consulting in my personal capacity. I'm in my thirties now, but I don't intend to work full-time for more than half a decade longer, hopefully. I would rather move at a fast pace now, and slow down much later, so I can enjoy middle age.
I had an old school friend, who graduated with a good engineering degree, at a good age as well. His insistence and stubbornness to change meant he turned down a lot of jobs in financial insittutions, because he felt he had to work in engineering. 12 years after we left school, he has a lousy job in engineering, and now feels it's too late to change.