Retirement planning starts when you earn your first pay check.
If you slide a small amount away each week then you will automatically have a much better retirement. The secret is in the length of time you have been saving into the market.
We all know people who are in their 40’s and 50’s who suddenly start thinking about retirement and then realise that it just won’t happen without sacrifice or risk. Following our advice about small regular investments from an early age will mean that should never happen to you.
More crucially keeping banks , insurance companies and advisers from ever getting a toe hold in your fund will keep most of the money for you.
Anyway it is such an important topic you need to talk to us sooner rather than later.