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The earlier we start a retirement plan, the harder our money can work for us. This is a fact drummed into many of us from an early age. However, it is still ignored by a surprisingly large number of people who continue to delay making a retirement plan.
Compound growth is the secret weapon belonging to those who save early. For example, $12,000 invested today, assuming a growth rate of 9% annually, will have grown to $43,710 in 15 years. If the same investment were made 5 years earlier, this 20 year investment could have grown into $67,253. However, $12,000 invested at 9% over 30 years instead of 15 becomes a very impressive $159,212. This is based simply on a lump sum invested. Add regular savings into the equation and it is easy to see how early savers can benefit even more significantly in their retirement years.
The real gains in an investment are seen in the later years. If you start saving for your retirement later it will be necessary to save considerably more on an annual basis.
The key to a healthy retirement plan is to start early. Making regular savings for as long as possible will enhance any pension. Making an early start allows the saver to maximise thepower of compound growth. An experienced adviser will design retirement plan solutions to suit each client’s individual needs, allowing for lump sum investments, regular savings and changes in circumstances. With good, professional advice expats can also benefit from significant tax advantages thast may not be available to people working in their native countries. This allows expats to utilise their time overseas the get ahead financially.
To look at you retirement options contact Infinity and our advisers can help you build the best retirement plan for your individual circumstances.
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