I will be retiring from my office job in 6 years from now. At this early, I'm already making plans for a business - something to occupy me and also to earn for my old age. My retirement pay is substantial to build a 4-door apartment and that's what's on my mind right now to be on the safe side. But my husband is thinking of opening up a small business so we have something to do. However, we are afraid of the risk so we are doing our research carefully.