Retirement Planning

When should you start planning for your retirement?  Is it as early as possible, or wait until you’re 65 years old or even later?

Depending on your situation, we usually recommend our clients consider retirement planning when they are 50s.  The reasons are: you may finish or nearly finish your mortgage; your dependent children may grow up and no longer need your financial care.  Looking forward, what’s your dream of retirement? 

The New Zealand Superannuation is about 60% of the average wage.  Is it enough for you?  If your answer is yes, great; if not, where is the extra income from? You may have the bucket list for the things you wanted to do but couldn’t when you were young.  Now you have plenty time, but is your money enough to fulfil the list?   You may want to stop looking after your investment properties so that you can fully enjoy your retirement.  How can you preserve your capital while grow it to offset inflation? 

We can help you.  Based on your goals and financial resources, we draw the picture of your retirement – how much you need, how to look after your nest eggs and how to invest so that it’ll last as long as you need.  A retirement plan is tailor-made to give you the peace of mind for your future.

Contact us today for a no-obligation consultation and discover how we can help you. 

什么时候开始规划退休?越早越好,还是等到65岁,甚至之后?

每个人的情况不同,通常我们建议:踏入50岁,开始考虑退休规划。因为一般情况下您的房贷已经或几乎偿清,您的孩子们也已经或差不多长大成人,不再依赖您的经济支持和照顾。那么展望未来,退休生活的蓝图如何规划?

关键是收入,在新西兰,养老金是平均工资的60%,足够吗?如果是,好极了;如果不够,额外收入从哪里来?人们通常在年轻时忙于挣钱、养孩子,无暇顾及个人喜好;退休了,有大把时间,可以好好尝试,那么兜里的钱够吗?如果您要享受退休生活,不愿继续亲自操劳投资物业,那么如何让您的财富保值又增值,以便有足够的钱养老?

找我们吧,做一份退休计划书,弄清楚您需要多少钱养老,如何管理您的养老本钱,不但有足够的钱养老,而且还能留给家人/后人。这样的计划,让您安心养老。

欢迎咨询,进一步了解我们提供的服务。