The sooner you start investing, the more secure your life will be. But each age has its own nuances — we tell you what you need to know and do in order to always have enough money.

What’s in life:

Financial goals:

Just start investing:

While you are young you can invest

What’s in life:

Financial goals:

What to do:

Second, make a list of your goals in life: short-term (like getting involved in Iron man: training and equipment) and long-term (retirement or education for children). Set aside money separately for different purposes with different periods.

How to invest:

What’s in life:

Financial goals:

What to do:

This is where mindful planning helps again.

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● Estimate what monthly income will be comfortable for you in retirement.

Let’s say you are 50 years old, you want to work until the age of 65, and then live on 80% of your current income for up to 80 years, while you already have 7 million rubles in your savings. Let’s say you are getting 100 thousand rubles now. You are going to live on 80 thousand rubles a month up to 80 years old. For the convenience of calculations, we will assume that inflation remains all the time at the level of 3% per year, while salaries are not indexed. This means that by the age of 65, taking into account inflation, you need to accumulate 21.8 million rubles, of which you already have 7 million. By investing these 7 million rubles in a portfolio with an average annual return of 8% (in rubles) and monthly replenishing it by 10% of your current salary, you can safely accumulate 26 million rubles in 15 years. This amount is enough to fully meet all your retirement needs.

● Conduct an audit of savings: to what extent do desires correspond to reality? If you start investing early, the plan will come together. If not, now is the time to fix it by adjusting your investment strategy.

How to invest:

What’s in life:

Financial goals:

What to do:

How to invest:

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