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Retirement means different things to different people

For some, it means the ability to spend more time with loved ones while for others it may mean pursuing a neglected hobby or travelling the world.

Regardless of whatever retirement means to you, one thing is for sure – no one wants to spend their later years worrying about money. Some careful planning can help to set you up financially for your retirement years ahead. Even if you think you may have left it a little too late, some careful planning today can still make a difference to the quality of life you experience when you eventually decide to retire.

This document provides some insight into the issues and considerations you need to think about when planning for retirement. It's designed to be of a general nature only, and doesn't contain any recommendations, offers or invitations to buy any financial products. Before making any investment decisions about your retirement, you should evaluate the extent to which this information is appropriate to your individual investment objectives, risk profile, financial situation and other requirements.

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