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Make-or-Break Retirement Planning



Any retirement plan consists of two distinctive phases, namely the accumulation of retirement capital and the withdrawal of the capital once at retirement. During both phases a number of key decisions and factors should be considered. For example, during the accumulation phase one should decide how to invest (investment strategies, appropriate investment vehicles, etcetera), how much to invest (the percentage of gross income or savings rate) and when to invest (starting point – first pay cheque or after paying off studies or debt, monthly or annually, etcetera). In the withdrawal phase one must make decisions how much to withdraw to meet one’s income needs, how to invest the retirement capital, etcetera. 


Ultimately the objective and real challenge of any retirement plan should be to generate sufficient inflation-adjusted income over a prolonged period of time post-retirement. While we obviously do not know exactly for how long the plan should be sustainable, it is best to make reasonable assumptions about the most likely period we should plan for, which is anything between twenty to thirty years after retirement. But how do we plan or what should we know when planning our retirement? Are some decisions or factors more important than others leading to a sustainable retirement plan? Or, which are the most important variables that will determine whether one’s plan is sustainable over the long term? 




The full report will be e-mailed upon request.




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