Article on Retirement
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1) People often live for today without saving for tomorrow, spending all their money now and struggling later in life after retirement. It is a mistake to think that pension money alone will sustain you without proper financial planning. 2) Planning for retirement is crucial, with the goal being a steady stream of income to maintain your standard of living rather than just accumulating wealth. Investing your money while still young allows it to grow over time to support you in retirement. 3) Some retirees spend their lump sum payouts on debts and unnecessary purchases rather than investing for long-term growth. Proper investments and savings allow money to continue working for you in retirement through interest and returns.
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Article on Retirement
- 1. You won’t be forever young. WritesCollenLemawane One wondersif the adage,“Work like aslave todayandlive like akingtomorrow”still holdswater.This isbasedon the notionthat people tendtolive fortodayandenjoylife whileitlasts.Theydothisby usingall the moneyat theirdisposal tosplurge andlive large,oftenimpressingfriendsandlovedones, and laterstruggle inlife.They forgetthattomorrow isanotherday andwe all needtosave for rainy days. Enjoy itwhile itlastbutyou won’tbe foreveryoung. Spendingall youhave whilestill working, thinkingthatyourpensionmoneywill be enoughtosustain youwhenyouretire isthe biggestmistake.Planningforretirementiscrucial foreveryperson.According to financial experts,agoodretirementismeasuredbythe standardof livingyouwantinretirement.Itis not definedbyapotof money,buta streamof income.The savingsneededwhenyou retire isthe amountneededtosustainthe standardof livingwhichyouhave become usedtoenjoyinginthe latter part of yourworkinglife.Thatisan income goal;it’snota wealthgoal. Soin otherwordsyouwork for moneytodayto make itwork foryou tomorrow. The last thingI wantis to struggle whenIam retiredandbeingbroke. Sometimes itisgoodto sitaround withpensionersandaskthemabouttheirexperiences. Afterall youare goingtobe oldone day. One pensionersaidtome thathe made financial blunderswhenhe wasyoungandwastedmoneyon unnecessarythings.Butwithhindsighthe learnedalessonandconsultedafinancial advisorwhoturned hisfinancial life aroundintermsof managinghispensionanddiversifyinginvestments.Isn’tit toolate to be involvedininvestments? Iasked. Isthisnotthe time whenyoushouldbe enjoyingyourmoney? SoI reckonthat it’sbettertostart planningwhilststillyoung. Some people expectalump a sumpaymentwhentheyretire andthinktheywill be well off.Some nowadaysaccordingto governmentpension legislation,geta1/3 payout. The firstthingtheydois, settle debtslike bondsandcars. Is that whatyou wantwithyour pensionmoney?Don’tyouwantit to workfor you?Just like many, don’tyouprefertohave a paidup house when youretire andsettle all your creditaccounts? One has attendedseveral farewellfunctions andrealizedthatsome retireesreveal theirretirement plans. Insteadof planningforholidaysandtravellingthe whole world, theystartbusinessesand downgrade theirlife styles.Soinreal termstheyspendtheirpension money onnew projectsandnot investinvariousinvestmenttoolsaccordingly. If youare goingto be a businessmanwhenyouretire thenit isa huge riskbecause anythingcanhappen. One has to decide whathe wantsto dowithhispensionmoney. Some plantohave all portfoliosinplace whenthey getemployer’s pensionsandretirementannuitiestoaugmenttheirpostretirement salaries. People needtobe cautionedthatlife won’tbe the same when they are retiredbecause they won’tbe earningthe same income whennolongerworking. Don’tyouwanttohave some investmentsand maturingpoliciesatthe time of leavingwork?Possiblythe money will have accumulatedinterestatthat
- 2. time andyou can live of itand retire comfortably. Thisisoftennothe case. Onthe contrary some people getpost retirementdepression. Financial expertTamarChanskysays that part of the problemstemsfromdashedexpectations.Perhaps youthoughtyou wouldhave more moneybythe time youreachedthispoint,oryoufeel dauntedby how,eventhoughyoumayhave workedhard topay off your mortgage,there are still somanyplaces that yourmoneygoes to eachmonth.Or maybe youjust feel lostwithoutaschedule. There has beenatrendby some people tocashin theirpensionswhentheychange jobs.Theyspendit all withoutcontinuingtosave itinanotherpensionfundswithadifferentemployer. NerinaVisser,ETFStrategistandadvisor, says“the critical successfactorsfor longerterminvestment – whetherforretirementorforbuildingwealthtoleave alegacy –is three-fold:minimize costs,maximize tax efficiency,andneverwithdrawit.Preservationof retirementsavingsiscrucial asyoumove through life,changingjobs,growingyourfamilyorexpandingyourassetbase.Alwaysresistthe temptation.Use retirementsavingstofundshorttermneeds,getoutof debt,orgive intothe desire forinstant gratification –remember,youare robbingyourfuture self whenyoudoso.” There isso much informationaboutmoneymanagement.Everybodyneedstostartdoingsomething aboutit before it’stoolate.Youwon’tbe foreveryoung. CollenLemawane isabusinessnewspresenteronSABCNEWS and he writesinhispersonal capacity.