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Navigating one's financial future can often appear as a daunting tapestry of complexities, particularly in the realm of retirement planning 🧠📈. I recently came across this insightful read on Singapore's CPF LIFE scheme by [The Straits Times](https://lnkd.in/gkzJiYkW). This serves as an exemplary testament to sound financial planning - ensuring continual payouts for life, post-retirement💡👴. Let’s consider Mr. Tan, an average Singaporean employee who has made regular contributions towards his Central Provident Fund (CPF) throughout his career. When he retires at 65 years old, instead of a one-time withdrawal from his CPF savings, he can opt for monthly payouts through CPF LIFE 💼✨. Those young professionals among us - envision yourself in Mr. Tan's shoes and ponder over the sense of financial freedom such a structured design offers! Envisage nearing your golden years without worrying about stretching your savings 🏖️☀️. It is never too soon to sculpt out our retirement plans - preparation today seeds tranquility tomorrow 🌱⏳ #FinancialPlanning #CPF #RetirementPlanning #Singapore

Are you longing for a sun-soaked retirement filled with adventure and financial security? Navigating retirement can be complex. There are a myriad of financial considerations to manage, from understanding the intricacies of pensions to optimizing your investments amidst currency fluctuations and so much more, so ensuring a comfortable lifestyle abroad requires expert guidance. Imagine a retirement where: Your pension stretches further, affording you the lifestyle you deserve. Your investments are optimized to counteract inflation and currency risks. You have peace of mind knowing your financial future is secure. As a Senior Wealth Manager for NEBA Wealth Management I specialize in helping people like you achieve these goals. With a deep understanding of retirement schemes and global investment opportunities, I can create a personalized retirement plan tailored to your specific needs and aspirations. Don’t let the complexities of investing in the right assets and products overshadow your retirement dreams. Contact me today for a complimentary consultation and ket me show you how I can help you secure a fulfilling future abroad - ⬇️⬇️⬇️⬇️⬇️⬇️️ #pensions #retirementplanning #wealthmanagement #investing <><><><><><><><><><><><><><><><><><><><> 👋 Hi, I'm Stephen I have been an expat for 20+ years and have now been living, working and enjoying life in the Philippines 🇵🇭 since 2019. And it is through my life experiences and knowledge of international personal finance that allows me to help expats with their financial planning needs, including – Pension Transfers and Retirement Planning 👴 Investments 💰 UK Property Purchase 🏠 Life Insurance and Income Protection 🛟 Health Insurance 🤕 Golden Visa’s (CBI and RBI programmes) 🛂 For a complimentary, no obligation 🗣️, contact me directly on - +63 927 009 5437 or email me at [email protected]

There has been a significant focus on retirement of late, and the need for superannuation and wealth management firms to proactively support their members with the right solutions, advice, and structures. So, I want to take this opportunity to congratulate 7 Strativity APAC clients, who are the 7 top performing superannuation funds when it comes to retirement preparedness and satisfaction, as scored by their members and highlighted in The Australian Financial Review. These are UniSuper, Colonial First State, MLC Australia, Commonwealth Superannuation Corporation, AMP, Aware Super, and Australian Retirement Trust. Well done on this achievement! A deeper understanding of customer motivations, needs, priorities, and experiences, allows leaders to craft the right propositions, solutions, and engagement approaches, which can have such a meaningful impact on member outcomes. #congratulations #superannuation #retirement #customerexperience #cx #customercentricity #strategy #design #insight #impact.

𝗔𝘂𝘀𝘁𝗿𝗮𝗹𝗶𝗮'𝘀 $𝟯.𝟵 𝘁𝗿𝗶𝗹𝗹𝗶𝗼𝗻 𝘀𝘂𝗽𝗲𝗿𝗮𝗻𝗻𝘂𝗮𝘁𝗶𝗼𝗻 𝘀𝘆𝘀𝘁𝗲𝗺 𝗳𝗮𝗰𝗲𝘀 𝗮 𝗰𝗿𝗶𝘁𝗶𝗰𝗮𝗹 𝗰𝗵𝗮𝗹𝗹𝗲𝗻𝗴𝗲: 𝗵𝗲𝗹𝗽𝗶𝗻𝗴 𝗿𝗲𝘁𝗶𝗿𝗲𝗲𝘀 𝘀𝗽𝗲𝗻𝗱 𝘁𝗵𝗲𝗶𝗿 𝘀𝗮𝘃𝗶𝗻𝗴𝘀 𝗲𝗳𝗳𝗲𝗰𝘁𝗶𝘃𝗲𝗹𝘆. That's the message in Anthony MacDonald's article in the Australian Financial Review (see link in comments). While we excel at accumulating wealth, many retirees struggle with longevity risk, often withdrawing only minimum amounts from their accounts. Superannuation funds need to step up and offer better lifetime income products. Key takeaways from the article: ➡️ Annuities could play a larger role but currently account for just 3.5% of pension assets ➡️ Regulatory changes may make annuities more attractive for providers and customers ➡️ APRA is exploring ways to increase retirement product availability As our population ages, it's crucial that superannuation funds innovate to provide members with income security throughout retirement. What retirement income strategies have worked well for you or your clients? Let's discuss ways to improve this critical aspect of our superannuation system. #Retirement #RetirementPlanning #RetirementIncome #Superannuation #LongevityRisk #RedesigningRetirement #RealLifetimePension 

As Singapore celebrates its 59th year of independence, the importance of the Central Provident Fund (CPF) in securing a comfortable retirement becomes increasingly evident. #SingaporeRetirement #CPFStrategies #FinancialPlanning #RetirementSecurity #InvestmentOpportunities https://lnkd.in/gGgsdu9V

Dreaming of a retirement where you can relax and enjoy the fruits of your hard work, free from financial worries? Navigating retirement across borders can be challenging, as experienced by Mike and Sarah, a British couple in their late 50s. Their careers in the UAE, Singapore, and beyond left them with a complex financial situation involving pensions, property, and investments across multiple countries, each with unique regulations and tax requirements. To simplify their finances, they consolidated assets into a single platform for a unified strategy. To manage currency risks, they shifted investments to euro-denominated assets, creating stability for their living expenses. They optimized taxes by setting up offshore bonds and trusts, minimizing liabilities and ensuring compliance. They secured healthcare through an international insurance plan for comprehensive coverage. Estate planning involved setting up cross-border trusts and wills to minimize inheritance taxes and simplify asset transfer to their children. This strategic planning enabled Mike and Sarah to move to Southern Europe confidently, demonstrating how tailored guidance can transform complex finances into a stable retirement. Ready to secure your future? Book a free consultation today and let’s start planning a retirement that gives you the freedom to live the life you envision, wherever in the world you choose to call home.

[#DidYouKnow] Planning for retirement is one of the most important steps you can take for financial stability, and under Section 9 of Nigeria’s Pension Reform Act, you have the right to secure your future through a pension scheme. Here’s what you need to know: 📌 Enroll in a Recognized Scheme: Ensure you are enrolled in an approved pension scheme through your employer. This is your safeguard for a financially stable future. 📌 Verify Contributions Regularly: Keep an eye on contributions to your pension fund. It’s your right to know exactly what’s being set aside for you each month and checking regularly ensures transparency. 📌 Understand Withdrawal Benefits: The Act provides guidelines on when and how you can access your pension after retirement or in certain cases like unemployment. Understanding these conditions can help you make informed choices when planning for big life changes. 📌 Consult for Adjustments: If your income level or career changes, assess how it impacts your pension. You may have options to adjust contributions for better post-retirement benefits. Being proactive now lays the foundation for a worry-free retirement. With knowledge of your pension rights, you’re not only securing your financial well-being but also setting yourself up for a fulfilling life after your career. Your future self will thank you! #HumanResources #HR #HRMatters #Success #People #Innovation #HRSoftware #Business

Pension planning ensures financial security in retirement, especially for private job holders in Pakistan. Options like employer-sponsored plans, voluntary pension systems, and government savings schemes provide structured ways to save for the future. Other strategies, such as insurance-based plans, mutual funds, and real estate investments, offer diversification and growth. Together, these options help build a stable, inflation-protected income for a comfortable retirement. #pension #finanvialmathematics #insurance #mutualfunds

Living Your Best Life in Retirement 🌟 The Association of Superannuation Funds in Australia (ASFA) updates its Retirement Standard every year, which provides a breakdown of expenses for two types of lifestyles: modest and comfortable. 💡 Quick Tips: • For a Modest Lifestyle in retirement: Needs $100,000 savings • For a Comfortable Lifestyle in retirement: Needs $690,000 savings A modest lifestyle means being able to afford everyday expenses such as basic health insurance, communication, clothing and household goods but not going overboard. The difference between a modest and a comfortable lifestyle can be significant. For example, there is no room in a modest budget to update a kitchen or a bathroom; similarly overseas holidays are not an option. The rule of thumb for a comfortable retirement is an estimated 70 per cent of your current annual income. (The reason you need less is that you no longer need to commute to work, and you don’t need to buy work clothes.) Start planning now for a worry-free retirement and contact us now for your free initial consult 🌅 ___________________________________ General Advice Warning: The information provided in this content is for informational purposes only and is not intended to be personalized financial advice. Before making any financial decisions, please consider your personal financial situation and objectives and seek professional advice tailored to your unique circumstances. Our firm does not accept liability for any loss or damage incurred by the use of the information provided. Please consult your financial advisor for specific guidance tailored to your situation. #financialadviser #superannuation #retirement #financialplanning #retirementplanning #moneymagement #financialfreedom #estateplanning #taxadvice #wealthbuilding #financialwellness #smartmoney #financegoals #wealth #tasmania #finance #smallbusiness #wealthmanagement #investment #financialadvice