Adulting
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Is retirement planning a myth? According to a survey, 75% of Americans intend to continue working once they retire
Retirement used to sound like a full stop. Now it reads more like a comma. A lot of people want to keep some...
Why does employer contribution matter in workplace pensions?
Employer contributions are one of the most important features of workplace pensions in the UK because they turn pension saving from a purely...
Does everyone in the UK get a pension?
Many people assume that a pension in the UK is something you automatically receive simply by living there or reaching retirement age. The...
How are pension contributions invested over time in the UK?
In the UK, pension contributions are rarely left idle. For most people saving through a workplace defined contribution pension, each payroll deduction begins...
How does tax relief work on pension contributions in the UK?
Tax relief on pension contributions in the UK is designed to make saving for retirement less expensive than saving from fully taxed take...
How can individuals plan their CPF withdrawals for retirement?
Planning CPF withdrawals for retirement works best when you stop thinking of CPF as a single “withdrawal event” and start treating it as...
Why does CPF help reduce dependency on personal savings alone for retirement?
CPF is often described as a retirement system, but its deeper purpose is to reduce how much a person must rely on personal...
How do CPF contributions grow over time with interest?
CPF is often described in simple terms, contribute regularly, earn interest, and watch your balance rise. The reality is slightly more layered, and...
What is the purpose of CPF?
CPF is often described in casual conversations as a compulsory savings plan, but that description is too narrow to capture what the system...
What is the biggest threat to retirement in the US?
Retirement in the United States is often imagined as a reward at the end of a long working life. People picture unhurried mornings,...
Why is planning for retirement important in the US?
Planning for retirement in the United States matters because the country’s system is built around personal preparation rather than automatic security. Many Americans...
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