It’s been mentioned to me a handful of times that the topics of the Blog tend to be focused on the ‘upper end’ of things, and that for most ‘ordinary people’ the figures I talk about here are out of reach. To be fair the figures I sometimes talk about are aspirational, I get that. At the same time I fell that irrespective of the level you are aiming for the principles are the same, the ideas are the same. So whether the figures are 2x or 5x what you are aiming for, go with it and hopefully you’ll gain some insights that’ll help you get to where you want to get. Also, we gotta surely aim big….or as a friend of mine says ‘keep your eyes on the stars and your feet on the ground’!

I covered ‘can a couple retire with €1m‘ last year, and this week I will explore how to actually get to that level of a pension pot! In this relatively short piece I will explore the impact of different ages and different strategies in retirement planning, and we’ll see how they each impact. The strategies differ in regards the duration of ‘accumulation phase’, asset allocation and fee structure…..

Paddy Delaney