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Asia’s cost of living has been on a strong uptrend for years. Five of the top ten most expensive cities in the world are in the region, making retirement in Asia more challenging than ever before. Since the retirement landscape has changed vastly in the past few decades, this has created the need to start saving for one’s golden years a lot earlier.  We’ve all heard the mantra a thousand times about how it’s never too early to start saving for retirement. But, do we know how much of a difference when we start can make? Let’s take a look at an example here:  Say, Samantha invests US$ monthly between the ages of 25 and 65. She will have about US$, at age 65, assuming a 5% annual return. In comparison, John investing US$ monthly between the ages of 45 and 65 will only have US$,. This highlights the importance of saving early to take advantage of the compounding effect which can have a significant impact on your retirement kitty. Given a choice between working until the age of 65 and retiring early, many of us would pick the latter. An early retirement would allow for more time with the family or to pursue any other passions that were left on the backburner during our busy working years. But this means starting even earlier and saving even more every month. Going back to our smart planner Samantha, if she aspires to retire before the age of 55, she could achieve this by increasing the monthly contribution at the age of 25 in order to receive the same amount of retirement savings, 10 years earlier than in the previous example. When developing a comprehensive retirement plan, one needs to pay attention to the portfolio mix of investments in addition to the time horizon and amount invested. Conventional wisdom teaches us that bonds are relatively less risky than stocks. So like many other investors, John thinks investing all his  retirement savings in bonds will allow him to sleep soundly at night, but in a rising rate environment, bond prices tend to fall, especially those with longer maturities and this can seriously harm his  portfolio return. So, holding a bonds-only portfolio is not an invest-and-forget retirement solution. At the same time, staying clear of stocks would’ve helped John avoid the worst of the brutal sell-off in . But he would also have missed a near-doubling in stock prices in recent years. So it is important to strike the right balance between risk and return in a portfolio. And in this instance greed can be good. Holding a basket of different asset classes can enhance portfolio diversification, which is more likely to result in steady returns with reduced volatility over the long-term. So our savvy investor Samantha can achieve stable returns under different market conditions by investing in a diverse mix of asset classes and styles. When coupled with allocation flexibility and regular rebalancing, these solutions can deliver a smoother performance, better downside protection and higher risk-adjusted returns than investing in a single asset class. Today investors are inundated with choices when it comes to picking retirement solutions. This makes professional financial advice more valuable than ever, to help individuals set goals, assess their risk tolerance and select the appropriate retirement solutions. In reality the desired retirement age varies among different countries. It is inevitable that your paychecks will stop coming in one day. Therefore, it’s important to continue your investments to generate income after you retire to ensure living standards are sustained. So your money doesn’t stop working for you, even when you’re retired.   配音制作/配音/配音棚租用/音乐制作/伴奏制作/