These diagrams show some typical retirement savings scenarios and their eventual outcomes. It becomes vital to your future that you fully understand and appreciate the effect that your current savings and investment practises will have on your enjoyment of life during your golden years. How much do you need to save?

No savings at all - You are fully reliant on the New Zealand pension, which is currently about $12,000 per annum. You will have no trips, little heating and a meagre living.		Insufficient savings - Your savings are insufficient to guarantee a comfortable lifestyle and will likely be used up just a few years into retirement
Savings and Superannuation - With good financial planning you can have a substantial nest egg which is used up slowly over time with the remainder left to your dependents.		Savings and a reverse mortgage - This can substantially increase your nest egg upon retirement and pay you sufficient income to cover all your needs.

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