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age retirement statisticsIt would be great if we could all retire with a nice portfolio of savings and pension income, without having to worry about paying the bills most retired people pay.
This guide was an excellent starting point, covering all the major options available to me and clearing up a lot of the jargon. It even contains sections on maximising the performance of your pension. This is the 1999 edition, but still contains reasonably current advice on Stakeholder pension plans. Considering the often tiresome nature of the subject matter, this is all highly informative stuff.
The outlined strategy will work IF you start young enough. The examples given assume the aspiring millionaire is in their early 20s - plenty of time to make GBP1m through the power of compound interest - but too late for many people. My main disappointment with the book is that the strategy outlined is for the long-run (40-50 years) so you'll be about 65 when you make that million. For anyone looking for a faster alternative, this isn't it. If you are (or know someone) who is 15-25 years old, I would recommend you get this book and follow its strategy (about savings in particular, not sure I agree with the pensions advice). Doing so will virtually guarantee financial security upon retirement. But if you want a strategy that delivers faster-returns, look elsewhere. However, regardless of your age, the book outlines sensible (and widely-known) principles of personal money management so it's valuable for those who have no idea where to begin. But if you're already pretty savvy about "paying yourself first" and watching the pennies, you will get limited value from this book.
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