Financial clarity for the third stage of life

A well-thought-out financial plan provides clarity here. It highlights what income and expenditure are realistic after retirement, how assets and taxes will develop, and where there is scope for personal preferences. By viewing your finances as a whole, you can identify early on whether there will be a surplus or whether a shortfall needs to be addressed. This allows you to compare different options and optimally align them with your personal goals.

The major decisions are particularly important. For example, should the pension fund be taken as an income or as a lump sum? A pension provides financial security but restricts flexibility and the ability to pass on assets. A lump-sum withdrawal offers more flexibility but requires an understanding of investment risks. The question of early retirement also requires careful calculation, as the costs are high and financial leeway decreases significantly.

Anyone planning for retirement should also take the unexpected into account: health challenges, major purchases or the possible loss of a spouse or partner. Financial independence can only be maintained if reserves are in place.

Ultimately, it is not just about figures. It is about gaining clarity, creating security and prioritising your own wishes. Just like a mobile, where the various elements are closely interconnected, every decision influences the overall picture. If everything is carefully balanced, the transition will be a smooth one. Professional support helps to manage the complexity and make the right decisions in good time. Because those who plan early can shape their retirement consciously and enjoy it all the more carefree later on.

Would you like to find out more? Then attend one of the information evenings on 7 or 21 May: https://www.vpbank.com/en-li/vp-bank-experts-information-event-retirement