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1) When Does a software engineer start financial planning for retirement since the our Career span is only 15-20 years on average.
2) How much and which schemes to invest to mitigate the risk?
3) How much do we need for retirement?
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I don't have any ideas, but I think it's pretty great that you are looking into this. Great job!
Set goals
My team always does like a big goal setting vision board party and its always a lot of fun. We get a catered lunch and then sit down and discuss goals for the new year both personal and professional and those who want to make a vision board can do that as well.