How to invest for retirement days

Posted by on Jun 10, 2016 in Bussines, Investment, Retirement | Comments Off on How to invest for retirement days

How to invest for retirement days

Hoping to have predicted days upon when you go in a certain age is something that most people are hoping for. Investments that you are prepared to take are the solutions which can give you great life possibilities after going in retirement. One of the thing that you want for your investing is the growth of your money. Well known fact is that the longer you leave your money invested chances for growth will be higher.

If we look on short term basis the chances will go up and down, of course, but again the research that is out there on the net suggests that in these short period the investments was better choice for growth than with cash savings- 91% of these investments had a better return and average rate was 6.08% by year. So, this could be much better than you have expected, but then again, there are no guarantees that this will always happen in future. On another hand, the level of risks always is a key difference.

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Investment is better solutions when it comes to retirement. It is true that with this kind of retirement program you will have some risks, but don’t fool yourself, risks are everywhere in any business deals. Not taking risks are a much greater risk of all in these days. All successful people took many risks in their lifetime but with smart decisions and well-prepared plans, they have been managed to accomplish many great things. So, be one of them, don’t be shy when it comes to your future.

Newer the less, when you are prepared to invest for 20 or 30 years, the most important thing is to be prepared to think on a longer term or, if you don’t do that it could quite regret. So, when you are thinking about how to deal with all obstacles on the way for your retirement, you should concentrate on one thing; how to deal with the silent assassin of savings today – inflation.

Yea, inflation is a real stab in the back. It seems that no one can do anything about it. And sometimes give us the feel that we are left alone to deal with the complete dark of banking system. So, you are choosing saving account? Please don’t, instead think about your family and start some good investment.  Otherwise, you will just be one of the witnesses who are also the victims of their misjudgment.

What inflation exactly means? To answer that question, we will go directly to the point. It means that through saves cash investment you directly losing your money for good. Inflation directly kills your saving account, silently. And if you are having an account for 30 years, inflation will be there ready for the kill and your account money will just vanish.

Long story short; if you open saving account and deposit 5000 in the year, and you get 5% income, in 20 years you can expect 100000 for your pension days, in fact, you will have $72,800 left after 20 years. But, if you calculate the effect of inflation, after factoring it you will have only $32,800 left. That looks bad.

On another hand, if you did investments for this period of 20 years, you will have $117, 900 left, and after calculating the percentage of inflation, then you will have almost $60000 left. That seems much better. Don’t you agree?

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