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Tips for Your Age

Why Retirement Planning by Decade Works

Starting early and adapting your strategy each decade maximizes your wealth and security.

20s
Start Early 📈
30s
Build Momentum 💪
40s
Maximize Contributions 🚀
50s
Catch Up & Prepare 🎯
60s
Shift to Security 🛡️

Retirement Planning in Your 20s: Start Early, Win Big

Key Focus: Compound growth, automated saving

Pro Tips

  • Start a SIP or Roth IRA
  • Use employer matching
  • Build an emergency fund

Checklist

  • Open retirement account
  • Save 10–15% of income
  • Learn investing basics

Retirement Planning in Your 30s: Build Momentum

Key Focus: Asset allocation, income growth

Pro Tips

  • Invest raises & bonuses
  • Revisit goals annually
  • Get term life insurance

Checklist

  • Save 2x your annual income
  • Review investment strategy
  • Add spouse to planning

Retirement Planning in Your 40s: Time to Optimize

Key Focus: Max out accounts, protect assets

Pro Tips

  • Use tax-advantaged plans
  • Reduce lifestyle inflation
  • Monitor college vs. retirement balance

Checklist

  • Save 3–6x income
  • Start healthcare planning
  • Evaluate pension/EPF status

Retirement Planning in Your 50s: Catch-Up Mode

Key Focus: Closing gaps, planning lifestyle

Pro Tips

  • Use catch-up contributions
  • Plan early retirement options
  • Consult a financial advisor

Checklist

  • Save 6–8x income
  • Forecast retirement expenses
  • Consider annuities/income funds

Retirement Planning in Your 60s: Secure Your Future

Key Focus: Withdrawals, healthcare, estate planning

Pro Tips

  • Secure health insurance
  • Minimize tax on withdrawals
  • Organize estate documents

Checklist

  • Save 10x income
  • Create a drawdown strategy
  • Update will/nominees
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