Planning Retirement with Peter Male Financial Services SL


Everyone wants a golden retirement... But saving for retirement is no easy task and without a plan of action, many may find themselves falling short. At Peter Male we have advised many clients about their retirement fund and you too can enjoy peace of mind once we have introduced you to the options available to your own personal circumstances and budgets. Setting goals for retirement can be enlightening and can give any of us a sense of purpose. So why not contact us today for impartial, independent advice. Because we know how important life & finance is.	RETIREMENT PLANNING The first step to retirement planning is to imagine what you want retirement to be like. Frankly put, the amount of money you’ll need in future years depends on the lifestyle you plan to lead. But with the governments message about making your own provisions due to Europe's decreasing State Pension, it is common knowledge that the longer you leave it before making contributions, the more you have to pay. So the advice is clear; start as soon as possible. After all, we all want to retire early, but to retire at the age of 60 with 50% of your final earnings for a pension you will need to pay: 15% per annum at age of 25* 23% per annum at the age of 35 41% per annum at the age of 45 15% per annum at age 25 62% per annum at the age of 50
Consider the following and the financial impact of each for your retirement: Will you have to defer retirement for financial reasons? Will you stay in your current home, purchase a smaller one, move to a different locale or purchase a vacation home? Do you want to pay off your mortgage at retirement? Will you need to work for additional income? What do you want to do with your free time, and which of these activities will cost the most money? Will you be willing to give up a particular pursuit (travelling, for example) if it is too expensive? What medical risks are you likely to face? How much investment loss would you be able to tolerate?... let us help you decide...


Mortgages for UK & Spain seek for real options that matter to you

Goals of the Game
"If you really know what things you want in life, it's amazing how opportunities will come to enable you to carry them out".
John M. Goddard

* These figures are examples only and is assuming an investment return of 7% per annum and a 5% annual increase in earnings, for a single male earning €20,000 per annum with a pension guaranteed for 5 years.

Avenida Juan Luis Peralta, No1, 29639 Benalmadena Pueblo, Malaga, Spain.

Tel.: 0034 952 569 669
Fax.: 0034 952 569 645
e-mail: info@petermale.com