A PGIM India Mutual Fund report indicates a shift in India's retirement planning, with mutual fund adoption rising to 35% in 2025 from 24% in 2023. While investors with retirement plans show greater engagement with mutual funds, ETFs, and REITs, both planned and unplanned investors exhibit a bias towards fixed deposits and gold. Trust is a key driver for mutual fund adoption, particularly among older investors, while younger investors prioritize flexibility. Despite slight declines in traditional instruments, mutual funds continue to lead the move towards growth-oriented investments.