Live Long and Prosper by Paul Lewis

By Paul Lewis

Written by way of one in every of Britain's leading specialists on own finance, this can be the last word advisor to the pensions minefield and gives all of the details you want to plan now and keep away from fear sooner or later. With an growing older inhabitants and shrinking kingdom pensions, by no means has the query of ways to organize for retirement been extra urgent. With sensible, balanced recommendation that takes under consideration the entire different calls for on our wallet, stay lengthy and Prosper comprises broad FAQs, accomplished and authoritative suggestion on the place to get your pension and the way to evaluate its caliber, and assistance on what to do if you have been given undesirable recommendation.

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Third, we know how the pension works now (well, sort 22 START HERE of), but we do not know how it will work when you retire in 20, 30 or even 40 years from now. Fourth, the estimates of how much to save are approximations – OK, OK, they’re wild guesses – so they may be wrong. The state pension performs the very useful function of filling that margin of error. So ignore the state pension and save up as if it didn’t exist. It may not when you retire. But, saying that, I don’t want to take anything away from the state pension (whoops, I fell into football vernacular then) because the boy done good.

As Tom himself might put it: if you are going to make wild guesses, why not make one that simplifies the arithmetic? So we come to my calculator. I call it the Ross Ice Sheet – first, because it is based on that idea first given to me by Tom Ross; second, it is a spreadsheet. And third, when people see it they get an icy shiver down their spine which makes −40°C in the Antarctic seem positively warm. Because it says you have to save a third of your pay from the age of 20 to have a pension when you retire equal to half the income you enjoyed in work.

Of course, chances are you won’t die on that day – if only life (and death) were that simple. But it is the most likely date of death of all the possibles for people of your exact age in the UK on the date of publication. Frightening. But worse for a bloke: he would die on 5 November 2054. Rule of Prosperity Work longer. Or if you can’t face that, die younger. Either way you will have more to spend when you do retire. INVESTMENT The second thing that affects our wealth in retirement (all other things being equal) is how much the money we have saved up for our pension has ‘earned’.

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