Retirement in many parts of the world is something that is looked forward to with excitement, as it marks the end of decades of work and offers a chance to reshape how you spend your time. It also opens a door to freedom, self‑expression and new purpose.
For most Nigerians, retirement does not elicit so much excitement. For many, work provides not only financial stability but also a sense of purpose and identity. When they retire, they often face the challenge of transitioning to a life where they no longer have the structure and routine that their careers provided.
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This can lead to feelings of loss, anxiety, or depression, as retirement is seen as an end rather than a new beginning.
The thought of retirement is one of Boredom and Loneliness. Mr Mike Akor, a recent civil service retiree, told Pinnacle Daily that “After decades of working, the abrupt end of a structured daily routine can leave retirees feeling aimless and lonely. Some retirees struggle to find activities or purposes that give them joy, especially if their social lives were centred around work.
He said, “Many Nigerians, especially those in informal sectors, do not have substantial savings or investments to rely on after retirement. The country’s pension system, while mandatory for formal sector workers, does not guarantee a comfortable retirement for everyone. Many are afraid that they will outlive their savings and struggle financially in old age.”
Why planning matters
Retirement often means living on a fixed income rather than a monthly salary. The National Pension Commission (PenCom) requires Nigerian employees under the Contributory Pension Scheme (CPS) to contribute over their working lives. A clear retirement budget and savings plan helps you avoid financial stress.
Proper planning sets the stage for a retirement where you control your time.
How Purposeful engagement protects health and mood
Dr Chibuike Caleb, a professional in family medicine, offers some advice on the need to remain active in retirement in order to live a healthy life. “this shift in life is like a ‘rewirement’. People ask: what will get me out of bed in the morning? who will I meet? what will I do to stay healthy and engaged?’”
He cautioned that, ‘Long stretches without work or routine may lead to loneliness, low mood or loss of direction. Research suggests staying active — mentally, socially or physically — helps older adults feel healthier and happier.
Ideas for what to do
Here are several activities retirees in Nigeria might consider
- Hobbies at home: painting, writing, crafts, cooking, reading, music. These offer creative expression and mental stimulation.
- Gentle physical activity: walking, gardening, yoga or light exercise. These are meant to support mobility, energy and general health.
- Learning new skills: languages, digital skills, music, or art classes. Retirement is a good time to try what work life didn’t allow.
- Social involvement: join local clubs, community groups, religious organisations or hobby circles. Social connection helps reduce isolation.
- Volunteering or mentoring: using past work experience to support younger people or community projects. This brings purpose and may allow modest income
- Travel within Nigeria: visit cities you never saw and enjoy cultural heritage. Retirement gives time for exploring the country’s diversity.
Some guiding principles
Experts have said setting a simple daily routine, even though you no longer have a work schedule, gives shape to your days and encourages activity.
They also stress the need to balance between activity and rest. they urge retirees to try combining mental, physical and social pursuits rather than focusing on one type. Variety tends to support health and happiness.
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Planning finances is another piece of advice that featured prominently on the expert list. they urged retirees to understand how much they need monthly for living costs, healthcare, and essentials. “Make sure your savings or pension fund covers that baseline before spending on leisure,” they said.
Experts also advise retirees to try something new. they argued that retirement gives freedom to experiment, noting that a new skill or hobby might become a passion.
Staying connected is another activity to be taken seriously. they listed relationships with family, friends and the community that can keep retirees grounded, involved and emotionally supported.
What retirement can become
Dr Caleb said retirement years need not feel like time lost. “With purpose, planning and action, they can become among the most fulfilling years of your life.”
He said retirees can consider tutoring young people, picking up an instrument, growing a garden, volunteering or exploring Nigeria’s cities, adding that each piece adds structure, meaning and joy.
Creating a Healthy Daily Routine
- Morning (6:00 AM – 9:00 AM):
- Wake up early: Start your day with a morning prayer or reflection to set a positive tone.
- Physical activity: Engage in light exercise such as walking, yoga, or stretching (30–45 minutes). This helps maintain mobility, blood circulation, and overall well-being.
- Healthy breakfast: Prepare a balanced meal with fruits, vegetables, whole grains, and protein.
- Mid-Morning (9:00 AM – 12:00 PM):
- Hobby or personal development: Dedicate time to hobbies such as reading, writing, or learning a new skill. This keeps your mind sharp and engaged.
- Stay informed: Keep up with the latest news and trends, especially in areas that interest you (e.g., current affairs, financial planning, health).
- Afternoon (12:00 PM – 3:00 PM):
- Social engagement: Spend time with family, neighbours, or friends. Regular social interaction improves mental health and reduces feelings of isolation.
- Take a light walk: Walking after meals helps with digestion and keeps you active.
- Late Afternoon (3:00 PM – 6:00 PM):
- Personal projects or community involvement: Consider volunteering or taking up part-time work. This can be teaching, mentoring, or assisting in local businesses.
- Rest: Ensure you take regular breaks for rest or a short nap, especially if you engage in physical or mentally taxing activities.
- Evening (6:00 PM – 9:00 PM):
- Light exercise or outdoor activity: If you enjoy gardening, this is a great time for it. Gardening is both relaxing and rewarding.
- Evening meal: Have a nutritious dinner that includes vegetables, protein, and healthy fats.
- Relaxing time: Wind down by watching TV, listening to music, or connecting with loved ones. Avoid screen time close to bedtime.
Sunday Michael Ogwu is a Nigerian journalist and editor of Pinnacle Daily. He is known for his work in business and economic reporting. He has held editorial roles in prominent Nigerian media outlets, where he has focused on economic policy, financial markets, and developmental issues affecting Nigeria and Africa more broadly.
