{"id":4366,"date":"2019-08-19T10:36:21","date_gmt":"2019-08-19T02:36:21","guid":{"rendered":"https:\/\/www.infinitysolutions.com\/?p=4366"},"modified":"2019-10-01T17:18:56","modified_gmt":"2019-10-01T09:18:56","slug":"6-biggest-myths-about-retirement","status":"publish","type":"post","link":"https:\/\/www.infinitysolutions.com\/blog\/retirement-planning-pensions-transfers\/6-biggest-myths-about-retirement\/","title":{"rendered":"6 Biggest Myths About Retirement"},"content":{"rendered":"

[vc_row][vc_column][vc_column_text]Having worked as a financial planner for over 15 years, I\u2019ve heard many misconceptions surrounding retirement planning.<\/p>\n

Here are six of the biggest retirement myths that I hear.<\/p>\n

I hope reading these provides food for thought and spurs you into action if you have neglected to think about securing your financial future.<\/p>\n

 <\/p>\n

1. I won\u2019t live that long<\/strong><\/h2>\n

The obvious response to this is no one knows. We\u2019ve all heard the stories of the 20-a-day smoker still going strong in their 90s. While once scientists believed a life expectancy of birth at 90 was an impossibility, a 2017 study,<\/a> by Imperial College London and the World Health Organisation predicted that a baby girl born in South Korea in 2030 will expect to live 90.8 years. A British born girl gets a fairly good innings too, at 85.3 years. Life expectancy is predicted to keep on rising around the globe which means that you could easily have two or more decades to go when you retire and you need to think about how you are going to fund the lifestyle you desire for all that time without a working income and taking inflation into account.<\/p>\n

2.<\/strong> I\u2019ll just keep on working<\/strong><\/h2>\n

If you\u2019re lucky enough to still feel like you\u2019re invincible, enjoy, because the feeling won\u2019t last forever! Right now you might be in peak health but by the time you enter your sixties it could be a whole different ball game. Yes, some of my clients are still happily working in their late sixties and even early seventies but more often people are ready to stop work or, worse, become too ill or frail to deal with the stresses of work, especially in this digital age, where there is less \u2018down time\u2019. It\u2019s not an uncommon scenario for my clients in their late fifties to be out of work and unable to find suitable employment. This is something that is particularly prevalent in the hospitality and oil and gas industries. Limiting your retirement options to working longer can cause problems. \u00a0In some countries, expatriates cannot get work permits over a certain age, for example 55 in Saudi Arabia, 58 in Indonesia and 60 in China. Plan ahead and give yourself choices instead.<\/p>\n

3. Everyone needs a certain amount in the bank before retiring<\/strong><\/h2>\n

I get asked all the time, \u2018how much will I need a month in retirement?\u2019 Sadly, there is no standard amount that we should all aim to save for retirement. If you like a simple life and will own your own home by the time you retire, your requirements will be very different from someone who wants to travel the world staying in five star hotels. Medical costs, home ownership, travel expectations and hobbies will all influence your target retirement income so it\u2019s best to look at your own unique circumstances to determine the level of savings you might require. And that is best done with a professional who has a wealth of knowledge and experience and can flag up issues which may not have crossed your mind.<\/p>\n

4. I need savings worth 70-80% of my pre-retirement expenses<\/strong><\/h2>\n

If you Google, you will find all kinds of different formulas for calculating a definitive figure on retirement spending. But once again, lifestyle factors play a huge part. Generally expenses do tend to go down for retirees \u2013 they no longer have to pay commuting costs, lifestyle can be slower and taxes might go down. Then again, they may not! The situation will become clearer as your retirement approaches. This is another thing to discuss with your adviser.<\/p>\n

5. If I max out my company pension I\u2019ll be ok<\/strong><\/h2>\n

You shouldn\u2019t assume that your company pension will be enough to cover your retirement needs in their entirety. In addition, you may not have a choice as to when you can start to draw down on your company pension which could be problematic if you wish to retire early. It\u2019s usually advisable to put additional savings aside to cover all eventualities.<\/p>\n

6. <\/strong>Close to retirement I should invest conservatively<\/strong><\/h2>\n

It is true that the closer you get to needing to use your retirement savings, the less risk you should be taking. However, it is important that your savings at least keep pace with inflation so transferring to the perceived safety of a bank deposit, for example, is a very bad idea, given current interest rates. It is possible to balance risk and return by investing wisely. Again, a good financial adviser should be able to recommend a wealth manager with a wide choice of investments to match all levels of risk which will give a better return than the bank.<\/p>\n

 <\/p>\n

The takeaway point from this blog post is that whatever your situation, and however old you are, it\u2019s important not to stick your head in the sand about retirement. The earlier you start to prepare, the easier it will be and the more choices you will give yourself as you get older.<\/p>\n

I\u2019ve seen plenty of people who come to a brutal realisation in their forties and fifties that they are woefully underprepared and that can bring on a great deal of panic and anxiety. If that\u2019s you, it\u2019s not too late to put a retirement plan in place and if you\u2019re not at that stage yet, you can save yourself a lot of stress by getting your financial planning in shape now.<\/p>\n

If you\u2019d like help with getting to grips with your retirement planning needs, I have a huge amount of experience of working with expats from all backgrounds and all income levels to get their finances in great shape. Do feel free to contact me for a discussion about your own circumstances. I\u2019m reachable at cturner@infinitysolutions.com<\/a>.[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

[vc_row][vc_column][vc_column_text]Having worked as a financial planner for over 15 years, I\u2019ve heard many misconceptions surrounding retirement planning. Here are six of the biggest retirement myths that I hear. I hope reading these provides food for thought and spurs you into action if you have neglected to think about securing your financial future.   1. I…<\/p>\n","protected":false},"author":2,"featured_media":4367,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false},"categories":[2],"tags":[],"class_list":["post-4366","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-retirement-planning-pensions-transfers","category-2","description-off"],"acf":[],"yoast_head":"\n6 Biggest Myths About Retirement | Infinity Financial Solutions<\/title>\n<meta name=\"description\" content=\"There are many misconceptions surrounding retirement planning. 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