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18 January 2016
What do you want your life to be like when you pass retirement age? Are you looking forward to the end of your working life as a time to take on new projects or to simply relax after 40 plus years of work?
The kind of retirement you have will be determined by the decisions you make today about how you organise your money. This is the central idea driving retirement planning: how are you going to ensure that you get the retirement you want?
The answer does not simply involve relying on your employer or the government to provide for you in your old age. Rather, it involves bridging any gaps between what you want, what you have and what you are going to need.