Save early to retire with enough money

planning is one of ythoeurmfionsatnicmiaplojortuarntepy,abrutst

ETIREMENT

it is often neglected or postponed unStialrctlionsge to rpeltairnemfoernrteatgiere. ment is easier when you are still young, few financial responsainbdiliytoieus.have

This is the right time to save as mhiguhcehr ainsteproesst iabllloewtiongaycocu mtoumlaeteet ryeotui refmineannt.cial needs during your fsitnadrtisngwaithwtaryactokiancgqyuoiruer wspeeanltdhing and aiming to save three to six months’ worth of expenses in wyoiullrsstaavritngmsabkainkg aycocuorunmt;otnheiys wOonrkcefoyoruyouun.derstand that money is a tool for achieving your financial tahsipnikriantgiodnifsfeirnenlitfley,ayboouutwitil.l start

There are several factors to consider

Your current income when planning for retirement,

CRuetrirrenmt enxtpseanvsiensgs including:

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Investment strategies

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Estimated cost of living in retireFimneantc.ial

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the recognition of any bad spendtinhgemhawbiitthsgyoooudhspaveendaindg orerpsalavcininggs haTbhitis.includes saving for your future and starting with a retiretmheirntiteps.lan

RTMHaEnFaIgRiSnTg SyToEuPr IfNinPaLnAcNeNs IaNnGd FOR YOUR RETIREMENT

in your twenties or onSttarratcikngtoyaocuhniegvwinigllfhinealpncyioaul wsetallyness and feel more confident about prReepmareinmgbfoerytohuartftuhtueroe.lder one cost-of-living increases. wanWitdhhtethhneepmnraetdpuiarcaralilnpngreofegodrresrsaessitosironecomiaf etleinfdet are neglected. rweThlyheoriesn,fcaotmauinllydoolldreetahrdeagtoeov, eysrointuumnaetneitodfnotosr your basic needs. yoAufitnoaanchiaiel vaedvyiosuer’sfirnoalneciisatloghoeallps in life regardless of your current finTahnecyiwalilslictuonatdiuocnt. a financial needs acunrarlyesnits ltiofeasstsyeles,saynodurfunteuerdesf,iynoaunrciTalhaisndwpilelrgsiovneatlhgeoadlsv.iser a comprehensive view of the tailored solution needed to help you to reperaoycdohuuyctonsuetrehdgaotaawdl,dilailsthiwoelnepallylaofsiunwsaehncecutihrae-l your lifestyle such as medical aid, life cover, short-term insurance, orAifnivneasntcmiaelnntse.eds analysis will also allow your financial adviser to consider critical factors around rceutrirenmt einctosmavei,ncgu,rirnecnlut edxinpgenysoeusr, retirement savings, investment lsitvriantgeginierse, tainredmeesntitm. ated cost of

THE ROLE OF A FINANCIAL ADVISER IN YOUR RETIREMENT

(Courtesy pic) When planning for retirement, the truth is that the earlier you start saving, the better off you could be.