retirement planning

Retirement planning – it’s really all about time

Investment planning is at first glance a simple process but one that most Australians ignore. Why do most people fail to plan their long term investments, particularly for retirement? I reflected on these issues recently when discussing planning for retirement with my children.

There are a number of key questions to ask at the planning stage. They all relate to how much time you have to accumulate investment funds for retirement and how long those assets will last in retirement.

The key questions to ask are: how long will I live, how much do I have to invest, what return on assets can I expect and what are my estimated annual draw downs?

How long will I live? This is the great unknown but is the key question in retirement planning. A good estimate of individual longevity can be obtained from the internet. An internet search with “how long will… Continue reading

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