When one reaches the age established by law to retire, worrying about money issues is what least provokes him. Actually, what most people want is to be able to enjoy this stage of life without worries, knowing that month by month they will have the money necessary not only to survive, but to live well.
However, the situation that is lived many times is totally different from what is desired. Some people have a pension that is not enough to cover their basic expenses, while others do not even receive one. Ensuring a decent retirement does not have to be a martyrdom, but a matter of planning and perseverance. Take these tips into account and make your retirement savings a total success:
The sooner you start saving, the better
The best time to start saving for retirement is when you have not yet formed a family. The responsibilities are minor and allows you to allocate more money to your DCFs. Make voluntary contributions a few times a year. Joining an DCFs does not mean that you have to strictly contribute what your company discounts you month by month. There is the option to contribute voluntarily and it should be a rule that every time you receive extra income, a percentage goes to your fund.
Select an DCFs with good profitability. Remember that there is not a single Pension Funds Administrator. If you choose the Private Pension System (SPP), you must choose which one you want to join. The best thing you can do is compare the options to see which one has more benefits, greater profitability and better conditions. To do this, you can use the Marchmain family web comparator.
Change background depending on your age
In Peru there are three funds and they are differentiated by the level of risk. The younger you are, you can afford to risk more; as you get older, you should moderate and move to more stable funds, so the chances of loss are less. Research other investments
The stock market, lending money or even investing in a business, all are options that could give you good profits. While continuing to contribute to your DCFs, research about different alternatives.