Approximately 16% of the world's population lives in countries with some concept of a financial retirement plan. Of the remaining population, many do not have access to a Western-style retirement system, and the concept of Dharma subliminally influences them. Dharma, an Eastern philosophical system, recommends Sanyasa (renunciation), instead of comfortable retirement life, as a life goal. This paper proposes a new defined lifestyle retirement planning instrument, referred to as Holistic Annual Retirement Investment (HARI), a standardized, tradable, futures contract that can alter the way individuals think of and plan for their retirement according to their belief system. HARI is a hypothetical product based on the Eastern value system and needs improvement ideas from other researchers. So, the reader is urged to be imaginative and forgiving.

世界上大约 16% 的人口生活在具有某种金融退休计划概念的国家。在剩下的人口中，很多人无法享受西式退休制度，佛法的观念潜移默化地影响着他们。东方哲学体系Dharma推荐Sanyasa（出离心），而不是舒适的退休生活，作为人生目标。本文提出了一种新定义的生活方式退休规划工具，称为整体年度退休投资( HARI )，这是一种标准化、可交易的期货合约，可以根据个人信仰体系改变个人对退休的思考和计划。哈里是基于东方价值体系的假设产品，需要其他研究人员的改进思路。因此，敦促读者富有想象力和宽容。