10 steps to a carefree retirement

1 Save regularly for retirement

2 Start as early as possible

3 Avoid taking money out of retirement savings when you

change jobs

4 Get advice

5 Know what you have

6 Fit retirement into your financial planning

7 Think about what you want to do after retiring

8 Take inflation into account when doing your calculations

9 Negotiate to delay retirement for as long as possible

10 Don’t be tempted to spend your lump sum when you retire

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