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The Motley Fool:
Time, as they say, is money - and that’s particularly true when it comes to the money you sock away for retirement. So let’s cut to the chase. Here are three hot tips for serious retirement savers:
1. Get going now
Time is your biggest ally when it comes to saving for retirement. All else being equal, an investor who begins plunking down hard-earned savings at 25 has a huge advantage over someone who waits until the age of 40. Thanks to the miracle of compound interest, that advantage amounts to far more than just the additional principal the young whippersnapper kicked in.
Consider this: An investment of $10,000 that earns 10% annually over the course of 40 years will amount to nearly $453,000. Over the course of just 25 years, however, that same 10 grand increases to a mere $108,347.
2. The perfect portfolio is a work in progress
As you get older, your timeline and tolerance for volatility change. With that in mind, it’s crucial to recalibrate your portfolio so that, as retirement approaches, you focus more on preserving the wealth you’ve built up and intend to live on.
On that front, getting your equity-to-bond exposure right is a critical calculation, as is ensuring that you’re kicking in enough moola each month to fund your future needs.
You should also ensure that your asset-allocation game plan makes sense on a more granular level. More.
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