Retirement Planning Spreadsheet Templates – Retirement is one of the most worrying to those who are currently working. Given the future so unpromising that it is obvious, it is the fundamental ax as the hay that plans this stage of life, in which he wants to enjoy all the time of day.
As you all know, the amount of the pension is always less than the last salary that has been perceived working. It is a fact that retirement always loses purchasing power and even more with the last reform of pensions introduced. Therefore, with the aim of counteracting the reduction, it is important to plan the retirement with a supplement to the benefit that you have proved of some private savings product.
As experts say, it is best to start thinking about young people because it is proven that long-term savings are much more productive. One of the basic things that focus on the first place is how much is needed for retirement and for hay, the hay that quantifies which will be the blade of the pension. The Social Security website offers a tool for automatic calculation of retirement, is a free program that is downloaded on the computer and helps to know approximately the import of this benefit.
Then you have to calculate, depending on current income and expenses, how much you can spend saving for retirement. Knowing this, you can choose the product that suits the most according to age and the investor profile (conservative, moderate or risky). In this sense, it must be taken into account that inflation influences the decline in savings over the long term, so this should be considered in the minimum income.
Once we have decided to hire a savings product, it is advisable to continuously monitor the markets to see how they evolve and consider the possibility, if necessary, of changing another plan that is more interesting from a professional, fiscal point of view Or staff.
Knowing the steps to be taken to plan for retirement, do not leave it for tomorrow and start today to think about your future. You can choose the MAPFRE Pension Plan that best suits your needs and circumstances, as well as your long-term goals.