Retirement Planning Basics

Estimate a target and understand the assumptions behind long-term projections.

Retirement planning combines three uncertain inputs: future spending, investment returns and the number of years the money must support.

Start with spending, not a headline number

Estimate the annual income your future lifestyle may require, then account for pensions or other predictable income.

Use conservative assumptions

Returns are not guaranteed and inflation changes purchasing power. Test more than one scenario.

Increase contributions gradually

Small contribution increases can matter when maintained for many years.

Put it into practice

Use the connected calculator, save the result to your dashboard and review the figure during your next monthly check-in.