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Retirement Planning

Retirement planning is an often overlooked necessity for many individuals who believe that their government or employer will provide for their long term future.

Research reveals that this is all too often not the case and that most reach retirement only to find that they have inadequate provisions.

The problem of long term planning is particularly compounded for expatriates, who often have no company pension provision, and who are left to plan their own financial future with no guidance. Expatriates all too often spend a lifetime moving from contract to contract only to realise that they need to start planning when it's too late.

When should I start planning for retirement?
The answer is simple: as soon as you can. Ideally, you'd start saving in your 20's, when you first leave school and begin earning. That's because the sooner you begin saving, the more time your money has to grow. Each year's gains can generate their own gains the next year - a powerful wealth-building phenomenon known as compounding.

"A dream is just a dream. A goal is a dream with a plan and a dealine." Harvey Mackay
Let's assume you start saving at age 25, and put aside $12,000 a year for ten years, and then you stop saving - completely. By the time you reach 65, your $120,000 investment will have grown to more than $2,606,942.58, (assuming an 8% annual return), even though you didn't contribute a dime beyond age 35. Now let's say you put off saving until you turn 35, and then save $12,000 a year for 30 years. By the time you reach 65, you will have set aside $360,000 of your own money, but it will grow to only about $ 1,359,398.53, assuming the same 8% annual return, which is a difference of close to $1,000,000.

The important thing about retirement planning is to start now, it’s not about timing the market, it’s about time is spent invested in the market, it can never be too soon to start, and if you don't start now, it may be too late.

"The greatest danger for most of us is not that our aim is too high and we miss it, but that it is too low and we reach it." Michaelangelo
To avoid a shortfall in your retirement savings, you need to keep your finances in good shape while you're living or working abroad.

As an international professional you may be able to take advantage of the potential tax benefits with your savings and investments – and you could get better protection for your family.

Sentinel analyse your needs and guide you through the maze of retirement planning solutions, ensuring you achieve your long term goals as quickly as possible.
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