Daan is a self-employed digital marketer with a healthy income. Yet, there isn't always much left over for personal savings. He and his partner have two young children, pay for childcare, and live in an expensive home. As a result, retirement still feels a long way off. On top of that, Daan assumes he will eventually be able to sell his business and use the proceeds to fund his retirement.
"}},{"componentType":"sectionTitle","title":"Daan discovers that a business isn't a guaranteed pension plan"},{"componentType":"paragraph","richBody":{"value":"My business is growing well. If I sell it one day, won't that take care of my retirement?
The future value of his business is uncertain. It depends on factors such as market conditions, his client base, how transferable his business is, and when he decides to stop working. In addition, selling a business may come with tax implications. Relying solely on the future sale of his business could therefore leave his long-term financial security vulnerable.
When thinking about pension planning, Daan considers:
Daan decides not to wait until the expensive stage of raising a young family is behind him. Instead, he starts with an amount that comfortably fits his budget today and plans to increase his contributions later, when childcare costs decrease or his income grows. Because he is still relatively young, his investments have plenty of time to potentially grow. This allows him to build a separate retirement fund alongside his business.
"}},{"componentType":"sectionTitle","title":"Why is Pension Investing a good fit for Daan?"},{"componentType":"paragraph","richBody":{"value":"See what contribution fits your budget today, calculate your annual pension allowance, and start building financial security for the future, step by step.
Please note: Investing involves risks. You may lose some or all of the money you invest.
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