Spring 2025 Edition

The Silent Threat to Nest Eggs ​

• Falling interest rates reduce returns on fixed-income assets, potentially causing income shortfalls for retirees. ​
• Inflation compounds the issue by increasing living costs, eroding purchasing power, and threatening financial confidence. ​

Strategies for Optimising Financial Confidence in Retirement ​

• Diversify: Avoid relying solely on fixed-income investments; include growth-oriented assets in your portfolio. ​

How Self-Awareness Shapes Smarter Decisions ​

• Self-awareness helps retirees make deliberate financial decisions by recognizing emotional and environmental influences. ​
• Small habits, like pausing before decisions and reducing distractions, can improve decision-making under pressure. ​

 Longevity, Lifestyle, Legacy: The 3 Pillars of Holistic Retirement ​

• Retirement planning should address income needs, lifestyle goals, and legacy aspirations. ​
• Lifetime income products can provide stability and confidence for long-term financial security. ​

Your Estate Planning Checklist ​

• Get Your Will Sorted: Ensure your assets are distributed according to your wishes. ​
• Consider Powers of Attorney: Plan for decision-making in case of incapacity.
• Review Regularly: Update your estate plan to reflect changes in circumstances.

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