{"id":5711,"date":"2020-05-13T09:10:02","date_gmt":"2020-05-13T01:10:02","guid":{"rendered":"https:\/\/www.infinitysolutions.com\/?p=5711"},"modified":"2022-01-06T20:51:56","modified_gmt":"2022-01-06T12:51:56","slug":"how-far-does-1-million-go-in-retirement","status":"publish","type":"post","link":"https:\/\/www.infinitysolutions.com\/blog\/how-far-does-1-million-go-in-retirement\/","title":{"rendered":"How Far Does \u00a31 Million Go In Retirement?"},"content":{"rendered":"

[vc_row][vc_column][vc_column_text]One million pounds. It sounds like an enormous sum doesn\u2019t it? Certainly enough for you to be able to stop working at a reasonable age and retire in the manner to which you are accustomed\u2026<\/p>\n

Or is it?<\/p>\n

And then there is the small question of whether \u00a31 million is an achievable sum. It seems like a daunting figure, possibly a fantastical one if you are an average-earner. Even if you have a decent-sized salary, the pressures on your earnings from rent or mortgage payments, education fees and an ever-increasing cost of living could mean that you can\u2019t save as much as you would wish towards your retirement accounts.<\/p>\n

Should you Retire with \u00a31 Million?<\/h2>\n

Survey after survey confirms what most of us in the financial industry already know, that the vast majority of workers are not saving enough towards retirement funds. As final salary and defined benefit pensions have become the rare exception rather than the norm, the responsibility for amassing enough money to live off using your retirement income has shifted soundly on to the already-burdened shoulders of individuals.<\/p>\n

Most people are ill-prepared and, consequently, plagued by worries about the future and how much money they should set aside. Many are concerned that they may never be able to stop working. A UK survey from\u00a0Interactive Investor<\/a>\u00a0highlighted the biggest concerns of 10,000 British non-retirees and the top of the pile was not running out of money.<\/p>\n

It\u2019s probably no coincidence that 52% of those questioned in the survey who were still employed said that they planned to keep working into retirement, either part-time or as self-employed and one in four current retirees are working in some shape or form. For some this is a choice but others are forced into actively saving money to pay the bills and other necessities, including healthcare expenses, which is not a situation any of us want to find ourselves in during our retirement years.<\/p>\n

Retirement Savings<\/h2>\n

If your savings are limited, investing into your retirement is a delicate balance between sacrificing pleasure today to secure your personal finance in the future. How do you decide whether it is worth skipping that weekend away in Vung Tau so you don\u2019t have to spend your retirement subsisting entirely on lentils and rice?<\/p>\n

The secret, in my opinion, is to have a plan to achieve your financial goals. Once you have concrete retirement goals in place and a specific amount you need to save each month, you can splurge the rest guilt-free knowing that your future financial situation is adequately taken care of. The difficult bit is formulating the plan and knowing how much money you can spend.<\/p>\n

Here are three potential target amounts I have worked out along with how much you\u2019d need to save to achieve them. I have assumed an annual withdrawal rate of 3% which should ensure you don\u2019t run out of money in retirement with the lump sum keeping up with inflation and providing an additional return of 3%. This would be achieved with proper asset allocation by staying invested in a diversified portfolio.<\/p>\n

Scenario 1<\/strong>\u00a0\u2013\u00a0Equivalent of the<\/strong>\u00a0UK state pension<\/strong><\/h3>\n

Theoretically, the UK state pension \u2013 currently \u00a39,110.40 \u2013 a part of your retirement account is enough to live off in your golden years. In practice, I think most of us would find it hard to survive on \u00a3175.20 a week and it\u2019s not something I\u2019m willing to try! And although in the UK a state pension is a universal benefit, it is dependent on having made National Insurance contributions over 35 years, which may not be the case for many expats. Let\u2019s assume though that this is the absolute minimum amount you will need to live off when you stop working and you need to acquire it off the bat, without relying on a state pension.<\/p>\n

Required pension pot: \u00a3303,680<\/p>\n

Scenario 2 \u2013 Minimum income standard from the Joseph Rowntree Foundation<\/strong><\/h3>\n

The Joseph Rowntree Foundation\u2019s\u00a0Minimum Income Standard<\/a>\u00a0defines a minimum acceptable living standard every year. For 2019 \u2013 the latest figures available \u2013 the figure was \u00a318,800.<\/p>\n

Required pension pot: \u00a3626,666<\/p>\n

Scenario 3 \u2013 Comfortable retirement income according to the Pensions and Lifetime Savings Association<\/strong><\/h3>\n

The Pensions and Lifetime Savings Association in the UK has an entire website dedicated to\u00a0retirement living standards<\/a>\u00a0which makes an interesting read. They outline three different levels of standard of living for retirement. The top level, with an estimated \u00a333,000 per year (for a single person), is classed as comfortable and the figure is based on a weekly food expense of \u00a356, going on holiday for 3 weeks every year in Europe and \u00a31,000 to \u00a31,500 worth of expenses on clothing per year. That may be comfortable but it\u2019s hardly luxury living. Nevertheless, this is where the \u00a31million figure comes in\u2026<\/p>\n

Required pension pot: \u00a31.1 million<\/p>\n

What these figures prove is that if a person decides to retire with \u00a31 million, the amount of money doesn\u2019t go\u00a0that<\/strong>\u00a0far in meeting your retirement needs. Yes, it is perfectly possible to retire on a pension pot of \u00a31 million but it may afford you fewer choices and a less lavish lifestyle than you might imagine. If you\u2019re thinking of spending your golden years in a luxury villa on the French Riviera then you\u2019ll need a good deal more of money 00than that!<\/p>\n

The main point you should take from all this is the importance of starting to save for your retirement plans as early as possible during your working life. If you don\u2019t already have one, you need a concrete retirement plan because the capital required for even the most frugal of retirements is surprisingly large and without a plan or assistance from financial advisors, you will struggle to achieve even that.<\/p>\n

It is not easy defining your retirement goals and working out how much you need to save each month to achieve them so if you need some assistance please do get in touch. I have helped hundreds of expatriates get their finances in order so that they feel confident about how much they are saving, how much is left to spend each month and that they will be more than comfortable when the time comes to stop working. Email me on\u00a0abeddoes@infinitysolutions.com<\/a>.[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]This page has been created by the website design bangkok<\/a> Services[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

[vc_row][vc_column][vc_column_text]One million pounds. It sounds like an enormous sum doesn\u2019t it? Certainly enough for you to be able to stop working at a reasonable age and retire in the manner to which you are accustomed\u2026 Or is it? And then there is the small question of whether \u00a31 million is an achievable sum. It seems…<\/p>\n","protected":false},"author":9,"featured_media":5712,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false},"categories":[2,5,153],"tags":[],"class_list":["post-5711","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-retirement-planning-pensions-transfers","category-savings","category-blog","category-2","category-5","category-153","description-off"],"acf":[],"yoast_head":"\nHow Far Does \u00a31 Million Go In Retirement? | Infinity Financial Solutions<\/title>\n<meta name=\"description\" content=\"One million pounds for retirement? 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