Retirement tends to seem a long way off until, all of a sudden, it's just around the corner. As a result, many people don't start planning properly until quite late which can make it difficult to achieve their desired lifestyle.
Don't fall into the same trap.
Retirement should be a golden period of your life where you reap the rewards of your many years' hard work. It should be full of activity and enjoyment.
To enjoy the retirement you deserve, start preparing early. Your first step should be to work out how you're tracking towards your goals.
A financial adviser can help compare your current situation with your retirement goals. You should also speak to your adviser about:
- your New Zealand Superannuation options
- making the most of your and your spouse's KiwiSaver
- protecting your income because as you get older, insurance becomes even more important
- making sure you have your estate planning in order.