Posts Tagged ‘Lifestyle’

Lifestyle vs. Reality

Wednesday, October 14th, 2009


The boomer generation is tremendously optimistic about the future and their retirement years. However, are they prepared? As it turns out, not really.

A Forrester Research study in the US found that three in 10 boomers between 51 – 61 haven’t started any financial planning for retirement. In US, Strategic Guidance found that only 15% of its citizens felt fully prepared financially.

There is a new reality for boomers going into retirement.

Two thirds of boomers will be carrying debt into retirement rather than paying it off beforehand.

Instead of savings, real estate accounts for a great deal of boomer household wealth. This may lead to insufficient cash balances from which to draw on for retirement income.

Almost 45% believe they’ll be helping their children financially for the next seven to 10 years.

More than half of those surveyed don’t expect an inheritance. Their parents are living longer – and depleting the assets.

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Retirement Redefined

Thursday, October 8th, 2009


In a 2005 survey 87% of US citizens said they wanted to redefine the word “retirement.” For them, it’s no longer a fixed point in time, but the freedom to choose the lifestyle they want, creating balance between periods of leisure, family and friends, volunteering, education – and even work.

For the boomer generation, the notion of retirement is changing. Rather than a time for zest and relaxation, it is now considered as a time of personal reinvention and opportunity – a new, exciting chapter in life. However, the reality of retirement is changing, too. Debt, longevity, and lack of planning are just some of the factors that may influence their level of lifetime income and security. What does this mean for you? There’s an overwhelming need for advice and guidance.

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