Thank you Obua Godfrey for your input. We need to think in terms of financial services where people can deposit money but cannot withdraw till the age of 50 or the age of retirement whichever comes later. It should be in line with 401K plan operated in US by most of the companies. People should save a portion of their income deposited into this financial services. The deposited money can be invested in different types of risky ventures as the need be.