Investing For Retirement

An old couple, walking down a path

Retirement may be a long way off for you, or it might just be right around the corner. No matter how near or far it is, you’ve absolutely got to start saving for it now. However, saving for retirement isn’t what it used to be with the increase in cost of living and low state pensions. You have to invest for your retirement, as opposed to saving for it.

Retirement planning

Let’s start by taking a look at the retirement plan offered by your company. Once upon a time, these plans were quite generous. However, after the Enron upset and all that followed, people aren’t as secure in their company retirement plans anymore. If you choose not to invest in your company’s retirement plan, you do have other options.

Firstly, you can decide to invest in stocks, bonds, mutual funds, certificates of deposit, and money market accounts. You do not have to state to anybody that the returns on these investments are to be used for retirement. You just need to start investing and make some progress!

Simply let your money grow overtime and when certain investments reach their maturity, reinvest them and continue to let your money grow. Doing this is the best gift you could give to your future self.

Lifetime ISA

In the UK, people aged 18-39 can open a Lifetime ISA. This account gets topped up by the government by 25% each year. You can earn up to £100o in a bonus each year. Once you hit 55, the government stops adding a bonus, but you can keep your cash in there.

Whichever retirement investment you choose, just make sure you choose one! Find different ways of saving money and don’t rely on social security, company retirement plans, or even an inheritance that may or may not come through! Take care of your financial future by investing in it today.


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