{"id":21393,"date":"2016-04-04T10:03:50","date_gmt":"2016-04-04T02:03:50","guid":{"rendered":"https:\/\/www.imoney.my\/articles\/?p=21393"},"modified":"2018-08-24T01:04:35","modified_gmt":"2018-08-23T17:04:35","slug":"how-to-achieve-your-dream-retirement-in-your-30s-40s-50s","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/how-to-achieve-your-dream-retirement-in-your-30s-40s-50s","title":{"rendered":"How To Achieve Your Dream Retirement In Your 30s, 40s &#038; 50s"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-23126\" src=\"https:\/\/static.imoney.my\/articles\/wp-content\/uploads\/1995\/02\/in-partnership-with-cimb-preferred.png\" alt=\"cimb preferred\" width=\"371\" height=\"38\" srcset=\"\/articles\/wp-content\/uploads\/1995\/02\/in-partnership-with-cimb-preferred.png 371w, \/articles\/wp-content\/uploads\/1995\/02\/in-partnership-with-cimb-preferred-300x31.png 300w\" sizes=\"(max-width: 371px) 100vw, 371px\" \/><\/p>\n<p>A secure and comfortable retirement is everyone&#8217;s dream. However, it doesn\u2019t just happen overnight. To live well in retirement, you can no longer rely only on your pension or EPF funds. Instead, you will have to depend on proper retirement planning, timely investments, and making good use of your other retirement savings plans.<\/p>\n<p>In your 30s, you might be financially preoccupied while establishing a home and family. You could take it for granted that you have many years ahead and can always plan for retirement later but your 30s is actually the best time to start because time is your biggest advantage. With a longer investment horizon, you can scout for more options and adopt an aggressive approach for your retirement plan.<\/p>\n<p>Once you get to your 40s, you need to work towards wealth accumulation as it is typically the peak of your earning power. This is when it is important for you to maintain a broad view of all of your holdings as you reallocate assets and redirect future investments.<\/p>\n<p>The last leg of your retirement planning would be in your 50s. This is where you will likely have to take less risk and skew your investments towards conservative holdings like fixed income instruments. You will now need to consider wealth protection as there is minimal time to reverse any major investment losses incurred along the way.<\/p>\n<p>Keep in mind that while planning for your retirement is a long-term commitment, and plans can change along the way. You may wish to retire earlier, or you might have changed jobs and now earn a different income. Review your retirement plan after every significant event, and consider whether you need to make any changes. The earlier you start planning, the more time and options you will have. With the right strategy, you can save enough for the lifestyle you want in retirement.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Achieving the dream of a secure and comfortable retirement is much easier when you plan your finances.<\/p>\n","protected":false},"author":39,"featured_media":22883,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[31,1,240,236],"tags":[208],"class_list":["post-21393","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-infographic","category-investment","category-retirement-planning","category-sponsored","tag-featured"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Tips To Plan For Your Dream Retirement In 3 Decades | iMoney<\/title>\n<meta name=\"description\" content=\"Achieving the dream of a secure and 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