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Have you thought about how much you need in order to retire comfortably? 75% of people are not on course to achieve the retirement income they want.*

Regardless of the life stage of the clients, we know the importance to receive expert and professional advice on the clients’ pension options and requirements due to complexity of retirement planning.

Everyone’s life is unique, it is never too early or too late to start planning for a happy and fulfilling retirement. Aligning your wishes and expectations with the kind f lifestyle you’d like to have after you stop working will help us to determine a plan that works just for you. Ensuring that you have a pension that meets your needs is a journey that should start today.

THE COST OF DELAY

People often delay starting to invest as they prioritise today’s financial needs. However, investing in your financial future earlier could result in it being more affordable over the long term.

For example, if you were to make a gross investment of £1,000 p.m. into an investment product at the age of 30, a projected fund of £528,000 could be available at age 60 based on the assumptions shown below. This table shows what could happen if the start of regular annual contribution was delayed by 5,10 or 15 years.

This example makes a number of assumptions:

The average annual investment growth before charges is 5.00% each year. Investment charges of 1.33% each year. Contributions are invested monthly in a pension and are shown before charges are taken into account.

*(source: Aegon Retirement Readiness Report, May 2018)