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The four numbers of retirement – and why they aren’t enough

‘It’s my life, it’s now or never. I ain’t gonna live forever…’ The famous Bon Jovi words could well be used to describe retirement – and saving for it.

Most people don’t know where to start when contemplating something as big and hectic as retiring in decades’ time, but there are ample titbits of conventional wisdom from the financial planning industry. Let’s take a look at some, and their pitfalls.

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Can finances be a family affair?

Throughout the year there are clusters of holidays and long weekends when family comes to the fore. These moments are often an opportunity to step out of the frenetic hamster wheel of life, we now have long weekends and, for some, religious holidays to spend with those nearest and dearest to us. Which got us thinking – how much does your inner circle feature in your finances?

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Equity Schmequity – really?

There’s a conversation that does the rounds every 10 to 15 years in investment savvy circles; Cash vs Equity – which is better?When markets are rallying, equities hold to their promise of higher returns than cash; when markets take a knock, cash suddenly appears to have been a hidden gem that could even outperform equities for a short period.

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