Answer: Option A, D
Explanation:
Accidents and health needs both cut into the retirement needs. Accidents and health needs are required throughout the life of the individual.The retirement planning requires information about the personal goals which needs to be accomplished in the future based on which the retirement funds can be planned.
There are certain things that people would want to do in the future or possess some things at retirement age.To fund these things and wants it is necessary to have a part of retirement for these expenses.