Posted on: 12th February 2015 in Pensions
If you were born just a few decades earlier, retirement planning would have been quite simple. The state and your employer would have taken care of everything. You would most likely be working in the same country and often for the same company your whole life. You wouldn’t need to worry about currency fluctuations, zero interest rates and constantly changing rules. But you are facing the retirement planning challenge now and many things have changed. The state pension is nothing more than a (still welcome) icing on the cake, far from being sufficient for an average retired person’s needs. Employer-provided pension plans are still the core of retirement savings for most people, but many employers have moved from defined benefit to defined contribution schemes, effectively transferring the risks to you. Moreover, the idea of working for the same company your whole life is a thing of the past. Many people have worked for a half dozen employers before they turn 30 and in some cases these employers are located in different countries. Being an expat adds another layer of complexity to your retirement planning.We have 18 offices across the globe and we manage over $2billion for our 20,000+ clients
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