The ideal thing to do when in active service is to envision a period where one will not be in active service and start to take steps to get training and some neccesary exposure in the business world by making some side investment while one is still working,so that you will learn about the environment very well before retirement.Concerning the best way to manage pension funds. Well, there are different ways for a pensioner to manage his funds which is dependent on his choice of business to venture in and make profit or earn money. Such an individual can find a trusted investment companies that guarantees him ROI with interest which is reasonable and some terms and conditions must be stated and document. Other investment could be landed properties, agricultural(animal produce) etc.