I must plan your retirement with the base 30: 30: 30: 10

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With the current volatile global economic context, Pension It has become more important. the Trade tensions escalatetogether Very high enlargement And relatively high interest rates in different parts of the world, have made it necessary to protect assets from market fluctuations.

The following changes in the rules Pensions and taxes from inheritance In that UK It can also be complicated by retirement layout. Joshua White, financial expert and head of Level Group, a lending in the Family Law, says, “”As of April 2027The rules related to pensions and inheritance tax will change significantly, as most of the unused pension boxes will be included in the value of property rights for the purposes of the caliphate tax, which eliminates a former exemption. “

He added that this procedure is likely to affect those who have identified benefits plans, although it will not be anxious for those who have identified contribution pensions.

“Taking into account Current prices for real estate The financial sober, we calculate that about a million British properties are currently less than the caliphate tax threshold may be subject to this tax due to these changes. Because real estate is usually The main assets of heritageIt will enter many inheritance for the first time in a range InheritanceExplica White.

It also indicates that this change aims to prevent the use of pensions as a tool for Financial planning Instead of as a way to predict retirement. Therefore, the beneficiaries and the dress must start planning accordingly and be aware of the potential tax effects.

the Retirement planning base 30: 30: 30: 10, it can be a great help in these types of rapid development situations, because it will help you to save constantly for your retirement pension, to budge better and achieve your retirement goals in a sustainable way.

How does the rule work 30: 30: 10 to pension planning?

The rule 30: 30: 10 for retirement planning says that you provide 30 % of your savings in Bonds30 % in Procedures and participation30 % in Real estate Or characteristics and 10 % cash.

“The idea that this rule is that the presence of more or less distribution to your investments between real estate, bonds and procedures It will reduce the risks You assume when you protect yourself from the vibrations of any of these markets, while allowing you to benefit from its long -term growth. “

This can greatly contribute that your money is distributed in most ways Effective and profitableWhich can be much better in the long run than leaving it in the savings account. This is because most of the savings accounts do not pay high interest rates enough Fight the rate of inflation present. This means that, if inflation persists, your savings can diminish when the time for retirement comes.

The time value of money, which mainly says that 1 euros today may be more than 1 euros Within 20 or 30 yearsIt also helps reduce the value of your savings over the years. In this way, the use of the previous rule can help you overcome the risk of inflation.

a base Pension 30: 30: 30: It also guarantees that by distributing their money between a variety of assets such as stocks, bonds, real estate and effective, it greatly reduces the risks of its wallet. In the event of an emergency, it will continue Access to criticismThrough 10 % of its designated portfolio for cash and monetary rewards, without resorting to any of its long -term investments.

Is the base of pension planning 30: 30: 30: 10 suitable for you?

Medicott emphasizes the following: “The main disadvantage of following a base like this when planning to retire is that it can end up Long long -term profits. This is due to the fact that the investment of the stock market, in general, provides greater returns than real estate bonds and real estate, and 30 % is a fairly low percentage of its wallet Make it invest in the stock market“.

So investors should take into account that this could be a “safer” method for pension planning, but it may not be that Long -term profitable“It also indicates that pension suppliers often bear more risks with your money when you are younger. As people get older and approach retirement, pension suppliers tend to redirect their money towards less dangerous assets.

In this way, one benefits from greater growth while you can take traces Short -term fluctuation“You are facing less risks when time is approaching to withdraw your money,” MEDICOTT explains.

“If you are not sure, it is the best form With the exception of retirementYou may be interested in speaking to a professional financial advisor to assess your appetite for risks and what are your goals, and help you organize your investments to suit them. “

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Robbart Mold, the capital operating partner, explains that the rule 30: 30: 30: 10 may not always be the best option for People have already retired Or close to retirement. Therefore, these people may need to explore other capabilities to ensure their financial stability, especially taking into account the uncertainty in investment revenues.

“Las The launch of the real estate capital They are gaining popularity in Europe as an applicable option for retirees. These real estate loans allow the owners to reach the capital of their homes to complete the retirement income without the immediate need to pay the interest, and to provide a stable financial option in the midst of uncertainty in investment revenues, “said Mold.

He adds: “Popularity is increasing Genetic rescue mortgages It is a natural response to the social challenges facing many European countries. These financial tools provide retirees as a valuable opportunity to improve them Financial flexibility. By launching their homes capital, retirees can increase their available income, thus improving the quality of their lives directly in retirement. “

Mold notes that when it is carefully managed with the direction of experts, real estate loans can balance to release the capital from the long -term goals, such as protection Inheritance for future generations Maintaining financial health, with the immediate need for financial security.

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It is important to remember that the base of pension planning is the rule 30: 30: 30, 10, like any other rule for financial planning or retirement, not a unique rule and should be used only with consideration It holds the risks, financial goals and available funds.

In some cases, it may be useful to adapt the defined percentages specified for your individual goals. For example, a larger percentage of shares or lower percentage of bonds can be appointed, depending on its preference for risks.

We remind you that this information does not constitute a financial advice; Always check on your own to ensure that it fits your specific circumstances. Also remember that we are a journalistic website and that our goal is to provide the best evidence, advice and advice from experts. If it is based on the information on this page, it does it under its own responsibility.