Although it may not need to be something you think about a while, having a happy and healthy retirement is important. Especially with the age of retirement rising.
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Often, people don’t think about their retirement plans until a couple of years before they’re due to retire, however research has shown that the more prepared you are, the more likely you are to enjoy your retirement.
Whether you plan to take the time to spend with your family, whether you want to retire in a new destination or you want to do something a little more adventurous – planning well in advance is key.
With that in mind, here are 5 top tips for a happy and healthy retirement:
- Set Yourself Goals
One of the most important things you can do when saving for and planning your retirement is to set yourself goals. Whether it’s small monthly goals based on your finances or larger goals based on your retirement plans – having goals set in place is a great way to ensure you’re taking the steps needed to achieve them.
- Make A Plan And Stick To It
Another great way to ensure you have the best retirement you can possibly have is to make a plan and ensure you stick to it. The great thing about making a plan so far in advance is that you only need to make small changes, rather than it getting closer and closer and you having absolutely no plan in place. If you love organisation, this will definitely be the route for you!
- Start Saving Now
Although you may feel as though it’s far too early to start saving for something that could be thirty to forty years in the future, you never know what may happen.
Putting away a small amount each month is a great way to ensure that when you retire you have enough to do all of the things you have planned to do. Whether that means travelling with your partner, helping your kids through college or simply treating yourself to something big – if you don’t start saving early, chances are you won’t be able to cover it.
- Work Out Your Superannuation
Whilst most employers will automatically organise superannuation for you, ensuring you’re on a scheme that suits you should be your top priority. Make sure to do your research, ask lots of questions and find out if there are any better routes out there.
- Think About Where You’re Going To Live
Okay, so this may seem like it’s WAY into the future, but planning the kind of accomodation you want to live in when you retire is vital to knowing how much you need to save. Whether your plan is to stay in a retirement home, in flats (like these gorgeous Willow Grove Granny Flats) or to move in with your family – knowing this in advance will ensure you’re as organised as you can be.
Are you thinking about your retirement plan early? How have you started to prepare? Let me know below in the comments section
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