Do you want to retire early or ensure you have a comfortable standard of living when you eventually retire? All of us want to ensure that we have a comfortable standard of living when we eventually retire. However, with the closure of many companies retirement plans, plus the reduction in real terms of state benefits, most of us will need to make additional provision.

Life expectancies are growing and the developed world’s ageing population has created a “demographic time bomb”. There won’t be enough working taxpayers to support retirees.

To retire on a comfortable income you need to plan and save, especially if you are self-employed, have had career breaks, or have frequently changed employer.

You may need a monthly savings plan aimed at building up funds for your retirement target age or to save to cover the time when you are offshore and may not be contributing at the same level (or able to contribute at a higher level). Like regular savings, this type of plan can be flexible and tax effective, and will ensure your own and family’s peace of mind.