Magnus ebrochure Pension Planning.compressed (PDF)




File information


This PDF 1.5 document has been generated by PDF Presentation Adobe Photoshop CS6 / 3-Heights(TM) PDF Optimization Shell 4.6.19.0 (http://www.pdf-tools.com), and has been sent on pdf-archive.com on 03/12/2015 at 14:43, from IP address 89.197.x.x. The current document download page has been viewed 548 times.
File size: 3.08 MB (36 pages).
Privacy: public file
















File preview


Pens
i
onPl
a
nni
ng
Whet
heryou’
r
ea
nex
pa
ts
el
edi
na
not
herc
ount
r
yorl
i
vi
ngi
nyourc
ount
r
yf
r
om bi
r
t
ht
her
es
pons
i
bi
l
i
t
yonpl
a
nni
ng
a
dequa
t
el
yf
oryourr
er
ementr
es
t
ss
ol
el
yonyours
houl
der
s
.I
fyou’
r
ea
nex
pa
tus
ua
l
l
ynei
t
hert
hel
oc
a
lgov
er
nmentnor
yourempl
oyerpr
ovi
desf
ora
nypens
i
on.Ev
eni
fyouha
v
es
omes
or
tofpr
ovi
s
i
onei
t
herf
r
om yourhomec
ount
r
ys
t
a
t
eor
per
s
ona
la
r
r
a
ngement
st
hea
mounti
sus
ua
l
l
ywoef
ul
l
yl
ow.
Thebur
denofr
es
pons
i
bi
l
i
t
yf
orens
ur
i
nga
dequa
t
el
ev
el
sof
i
nc
omei
nr
er
ementha
smov
edf
r
om t
hes
t
a
t
et
ot
hei
ndi
vi
dua
lnoma erwhi
c
hc
ount
r
yyoul
i
v
ei
n.Duet
oa
dva
nc
esi
n
medi
c
a
ls
c
i
enc
epeopl
ea
r
el
i
vi
ngl
ongera
ndgov
er
nment
sa
r
oundt
hewor
l
dc
a
nnots
us
t
a
i
nt
hei
robl
i
ga onsi
nt
hi
sr
ega
r
d.
Asar
es
ul
tgl
oba
lr
er
ementa
gesa
r
er
i
s
i
ng.Y
ouwi
l
lbes
t
a
gger
eda
tt
hea
mountyouwi
l
lneedt
os
eta
s
i
det
hr
oughout
yourwor
k
i
ngyea
r
st
oa
l
l
owyout
or
er
ewhenyouwa
ntwi
t
ha
na
mountt
ha
twi
l
la
tl
ea
s
tma
i
nt
a
i
nyourc
ur
r
ents
t
a
nda
r
d
ofl
i
vi
ng–i
fnoti
nc
r
ea
s
ei
t
.So,
wea
l
lk
nowweha
v
et
opl
a
na
c
c
or
di
ngl
y
.
Al
t
er
na v
el
ywedon’
tpl
a
n!Soi
ma
gi
neyour
ea
c
h
r
er
ementa
ge65yea
r
sol
dgl
oba
l
l
y-wi
t
hnotenoughmoneyt
oa
l
l
owyout
or
er
e?Wha
ta
r
eyourop ons
?As
s
umi
ng
youa
r
ei
ngoodhea
l
t
hyouc
oul
dc
on nuewor
k
i
ng.
.
.
how l
ongf
or
.
.
.
a
ge70,75,80orbeyond?Wha
ti
fyou’
r
enoti
ngood
hea
l
t
h?Wi
l
l
youha
v
et
or
el
yont
hes
t
a
t
e(
i
ft
ha
t

sa
nop on?
)
,f
a
mi
l
y
,f
r
i
ends
.
.
.
howwoul
dt
ha
tma
k
eyouf
eela erwor
k
i
ng
f
ora
na
v
er
a
geof45yea
r
s
?Wha
ti
fl
i
k
emos
tpeopl
ewhent
heys
t
a
r
tt
hei
rwor
k
i
ngl
i
v
es
,i
nt
hei
rea
r
l
yt
wen es
,a
i
mt
o
r
er
ebyt
he met
hei
r30or40.Ra
r
el
yha
ppens
.
Thent
her
ea
l
i
s
a onda
wnsont
hem a
ndt
hei
rnex
tt
a
r
geti
s50,t
hen55,
t
hent
heyfina
l
l
ya
c
c
eptt
heywi
l
lha
v
et
owa
i
tun lev
er
yoneel
s
er
er
esa
ta
ge65.
.
.
.
.
i
ft
heyc
a
n.Buti
tdoes
n’
tha
v
et
obe
t
hi
swa
y
.Ca
s
tyourmi
ndt
obei
ng60or70yea
r
sol
d.
.
.
wha
twoul
dyouwa
ntt
obedoi
ng?Wher
ewoul
dyouwa
ntt
ol
i
v
e?
Formos
tpeopl
et
hea
ns
wer
sa
r
equi
t
es
i
mpl
e.
.
.
ha
vi
ngt
heop onofdoi
ngnot
hi
ngornota
ndl
i
vi
ngwi
t
hf
a
mi
l
ynea
r
f
r
i
ends
.Bot
hofwhi
c
hr
equi
r
eenoughmoneyc
omi
ngi
nonar
egul
a
rba
s
i
sf
r
om s
a
vi
ngsyouha
v
ebui
l
tupov
eryour
wor
k
i
ngl
i
f
e me.I
t

sa
l
la
bouteduc
a ngyour
s
el
f
.
Y
ourf
ut
ur
es
el
fwi
l
lt
ha
nkyouenor
mous
l
y!

Re r
ementPl
a
nni
ng

Wheni
st
hebes
t met
os
t
ar
ts
avi
ng?
T
obebl
unt
,f
r
om bi
r
t
h!Thes
ec
ondbes
ti
sr
i
ghtnow.I
ma
gi
nei
fyourpa
r
ent
ss
etupapens
i
onpl
a
nf
oryouf
r
om bi
r
t
h.
Wha
twoul
dt
heva
l
uebenow.
.
.
enoughf
oryout
or
er
et
oda
y?Pr
oba
bl
y!
Twent
yort
hi
r
t
yyea
r
sf
r
om now,
youwi
l
lbek
i
c
k
i
ngyour
s
el
fwi
s
hi
ngyouha
da
tl
ea
s
tr
egul
a
r
l
yputal
il
ea
wa
yf
oryour
l
a
t
eryea
r
s
.I
ti
ss
i
mpl
yama erofpr
i
or
is
i
ng.Forl
os
tyea
r
swhenyouc
oul
dha
v
es
a
v
edyouha
v
ea
l
r
ea
dyl
os
ts
ubs
t
a
na
l
c
ompoundedgr
owt
ha
nd mei
nt
hema
r
k
et
.Butyouc
a
nc
a
t
c
hupa
l
bei
tyouwi
l
lneedt
oputmor
ea
s
i
det
oda
ya
syou
ha
v
eas
hor
t
er meper
i
odt
oa
c
hi
ev
eyourgoa
l
.

2|

How muc
hs
houl
dIs
ave?

Re r
ementPl
a
nni
ng

Se nga
s
i
debet
ween1020% ofwha
tyouea
r
nmont
hl
yoryea
r
l
y
.I
tgoeswi
t
houts
a
yi
ng;t
hemor
eyous
eta
s
i
det
he
mor
eop onsyougi
v
eyour
s
el
f
.I
fyouc
ur
r
ent
l
yha
v
eal
ow di
s
pos
a
bl
ei
nc
omeyous
houl
da
i
mf
orupt
o10%.I
fyouha
v
ea
hi
ghdi
s
pos
a
bl
ei
nc
omeyous
houl
da
i
mf
orupt
o20%.Howev
ermuc
hyous
t
a
r
twi
t
h,t
hema
i
nt
hi
ngi
st
ha
tyous
t
a
r
t
.I
n
ba
s
i
ct
er
msyouneedt
os
a
v
eea
r
l
y
,s
a
v
eo en,s
a
v
emor
e,s
a
v
el
onger
.
Y
ous
houl
dbes
a
vi
nga
na
mountyouf
eel
c
omf
or
t
a
bl
ewi
t
honar
egul
a
rba
s
i
sba
s
edonyourc
ur
r
entfina
nc
i
a
ls
i
t
ua on.Howev
er
,
youdoha
v
eflex
i
bi
l
i
t
ya
c
r
os
sa
l
l
ourpl
a
ns
.
Y
ouc
a
ni
nc
r
ea
s
e/
dec
r
ea
s
e,s
t
op/
s
t
a
r
t
,t
a
k
ea
ni
ndefini
t
ec
ont
r
i
bu onhol
i
da
ya
ndpa
yi
noneoffl
umps
umsa
s
yourc
i
r
c
ums
t
a
nc
esc
ha
nge.
Y
ouc
a
na
l
s
oa
c
c
es
st
hes
a
vi
ngsea
r
l
i
ert
ha
nneededi
fr
equi
r
ed.
Y
oura
l
l
oc
a
t
edper
s
ona
l
fina
nc
i
a
la
dvi
s
erwi
l
lunder
t
a
k
ea
nex
er
c
i
s
et
owor
kouthow muc
hyous
houl
dbes
a
vi
ngba
s
edonyourper
s
ona
l
c
i
r
c
ums
t
a
nc
est
oa
c
hi
ev
eyourgoa
l
.
Y
ouc
a
ns
t
a
r
ts
a
vi
ngf
r
om a
sl
il
ea
s$450(
ot
herc
ur
r
enc
i
esa
r
ea
va
i
l
a
bl
e)permont
h.
Onc
eyourfina
nc
i
a
la
dvi
s
erha
swor
k
edouthow muc
hyous
houl
dbes
a
vi
ngt
henex
ts
t
epi
st
owor
koutwher
ei
st
hebes
t
pl
a
c
et
os
a
v
es
oyoudon’
tneedt
oputs
omuc
ha
wa
yt
oa
c
hi
ev
eyourendgoa
l
.

3|

Re r
ementPl
a
nni
ng

I
nwhi
c
hc
ur
r
enc
ys
houl
dIi
nves
ti
n?
Thec
ur
r
enc
yoft
hec
ount
r
yyoui
nt
endt
or
er
ea
ndt
her
ef
or
es
pendt
hemoney
.
Thi
si
sa
l
s
ok
nowna
syour‘
ba
s
e
c
ur
r
enc
y’
.Y
ouc
a
ni
nv
es
ti
nmos
tc
ur
r
enc
i
esi
nc
l
udi
ngUSD,GBPa
ndEUROS.

4|

Wher
ei
st
hebes
tpl
ac
et
os
ave?

Re r
ementPl
a
nni
ng

Y
ourmi
ni
mum t
a
r
geti
st
obea
ti
nfla onyea
ri
nyea
rout
.
Thi
si
snott
hei
nfla onr
a
t
eofwher
eyouc
ur
r
ent
l
yr
es
i
debutt
he
i
nfla onr
a
t
eoft
hec
ount
r
yyoui
nt
endt
or
er
ei
na
ndt
her
ef
or
es
pendt
hemoney
.
Bea
r
i
ngi
nmi
ndyouneedt
oa
c
hi
ev
eal
ongt
er
m dec
entr
et
ur
npl
a
c
i
ngyourmoneyi
naba
nki
sofc
our
s
enott
hebes
t
op on.Byk
eepi
ngmoneyi
nt
heba
nk
,i
nt
hi
sl
ow i
nt
er
es
tr
a
t
ewor
l
d,i
nr
ea
lt
er
msyouwi
l
lbel
os
i
ngmoneyea
c
hyea
ra
s
t
her
a
t
eofi
nfla oni
sea ngi
nt
ot
hebuyi
ngpower
.
Thei
dea
ls
ol
u on,t
her
ef
or
e,f
orl
ongt
er
mi
nv
esnga
r
emut
ua
lf
unds
.
I
ti
sapr
ov
enhi
s
t
or
i
c
a
lf
a
c
tt
ha
tf
undsha
v
eout
per
f
or
meda
l
lot
hera
s
s
etc
l
a
s
s
esl
ongt
er
mi
nc
l
udi
ng,c
a
s
h,bonds
,
pr
oper
t
y
,c
ommodies(
e.
g.gol
d,s
i
l
v
er
)a
nds
pec
i
a
l
i
s
thol
di
ngsl
i
k
evi
nt
a
gec
a
r
s
,finewi
neset
c
.

5|

Wher
ei
st
hebes
tpl
ac
et
os
ave?

Re r
ementPl
a
nni
ng

Y
ourmi
ni
mum t
a
r
geti
st
obea
ti
nfla onyea
ri
nyea
rout
.
Thi
si
snott
hei
nfla onr
a
t
eofwher
eyouc
ur
r
ent
l
yr
es
i
debutt
he
i
nfla onr
a
t
eoft
hec
ount
r
yyoui
nt
endt
or
er
ei
na
ndt
her
ef
or
es
pendt
hemoney
.
Bea
r
i
ngi
nmi
ndyouneedt
oa
c
hi
ev
eal
ongt
er
m dec
entr
et
ur
npl
a
c
i
ngyourmoneyi
naba
nki
sofc
our
s
enott
hebes
t
op on.Byk
eepi
ngmoneyi
nt
heba
nk
,i
nt
hi
sl
ow i
nt
er
es
tr
a
t
ewor
l
d,i
nr
ea
lt
er
msyouwi
l
lbel
os
i
ngmoneyea
c
hyea
ra
s
t
her
a
t
eofi
nfla oni
sea ngi
nt
ot
hebuyi
ngpower
.
Thei
dea
ls
ol
u on,t
her
ef
or
e,f
orl
ongt
er
mi
nv
esnga
r
emut
ua
lf
unds
.
I
ti
sapr
ov
enhi
s
t
or
i
c
a
lf
a
c
tt
ha
tf
undsha
v
eout
per
f
or
meda
l
lot
hera
s
s
etc
l
a
s
s
esl
ongt
er
mi
nc
l
udi
ng,c
a
s
h,bonds
,
pr
oper
t
y
,c
ommodies(
e.
g.gol
d,s
i
l
v
er
)a
nds
pec
i
a
l
i
s
thol
di
ngsl
i
k
evi
nt
a
gec
a
r
s
,finewi
neset
c
.

6|

Re r
ementPl
a
nni
ng

Whati
sanEqui
t
y
/
St
oc
k/
Shar
e?
Si
mpl
yputi
ti
spa
r
towner
s
hi
pofac
ompa
ny
.

Whati
saf
und?
Si
mpl
yputi
ti
sac
ol
l
ec onofequies
/
s
t
oc
k
s
/
s
ha
r
esa
ndot
hert
ypesofs
ec
ur
ies
.

7|

Re r
ementPl
a
nni
ng

Whygl
obaldi
ver
s
i
fic
a on?
Theonl
yi
nv
es
t
or
swhos
houl
dn’
tdi
v
er
s
i
f
ya
r
et
hos
ewhoa
r
er
i
ght100% oft
he me!Thequesononmos
ti
nv
es
t
or
s

mi
ndsa
tt
hebegi
nni
ngofea
c
hNewY
ea
ri
s‘
whi
c
hfina
nc
i
a
lma
r
k
et
swi
l
lt
opt
heper
f
or
ma
nc
ec
ha
r
t
sov
ert
henex
t12
mont
hs
?

I
nt
hemedi
a
,s
oc
a
l
l
ed‘
i
nv
es
t
mentex
per
t
s

r
egul
a
r
l
yma
k
et
hei
rpr
edi
c onsa
st
owhi
c
ha
s
s
etc
l
a
s
s
eswi
l
l
per
f
or
ms
t
r
ongl
yorpoor
l
y
.
Theda
ngeri
st
ha
tt
hes
ef
or
ec
a
s
t
sma
yenc
our
a
gei
nv
es
t
or
st
oa
l
l
oc
a
t
eal
a
r
gea
mountoft
hei
r
i
nv
es
t
mentporol
i
ot
oc
er
t
a
i
na
s
s
etc
l
a
s
s
esa
tt
heex
pens
eofot
her
s
.
Thes
eex
per
t
smi
ghtbea
bl
et
os
ugges
tpot
en a
l
oppor
t
unies
,buti
ti
smor
eorl
es
si
mpos
s
i
bl
ef
ora
nyonet
opr
edi
c
twhi
c
hi
nv
es
t
ment
swi
l
ldel
i
v
ert
hebes
tr
et
ur
nea
c
h
yea
r
.Webel
i
ev
et
hek
eyt
os
uc
c
es
s
f
uli
nv
esngi
st
oc
r
ea
t
eadi
v
er
s
i
fiedi
nv
es
t
mentporol
i
o.
Y
ouc
anac
hi
e
v
edi
v
e
r
s
i
fic
a oni
nanumbe
rofway
s
,
butt
het
womos
tpopul
arappr
oac
he
sar
e

8|

ouc
anac
hi
e
v
edi
v
e
r
s
i
fic
a oni
nanumbe
rofway
s
,
butt
het
womos
tpopul
arappr
oac
he
sar
e
:
Y

Re r
ementPl
a
nni
ng

1.Byas
s
etc
l
as
s
Fi
na
nc
i
a
lma
r
k
et
smov
eupa
nddowna
tdi
ffer
ent mes
.I
ti
sr
a
r
ef
orapa
rc
ul
a
ra
s
s
etc
l
a
s
st
oc
ons
i
s
t
ent
l
yper
f
or
m wel
l
yea
ra eryea
r
.Forex
a
mpl
e,dur
i
ngt
hefina
nc
i
a
lc
r
i
s
i
sof2008,gol
dwa
sa
mongt
hef
ew a
s
s
et
st
ha
tpr
oduc
edapos
iv
e
r
et
ur
n.Howev
er
,i
nr
ec
entyea
r
sequiesha
v
er
et
ur
nedt
of
a
v
our
,
whi
l
egol
dha
sl
os
ts
omeofi
t
sa
ppea
l
.
Equiesgener
a
l
l
ymov
ei
nl
i
newi
t
ht
hef
or
t
unesa
ndpr
os
pec
t
sofc
ompa
ni
es
.Wher
ea
st
hef
a
c
t
or
si
nfluenc
i
nggol
dpr
i
c
es
a
r
edi
v
er
s
ei
nna
t
ur
e,s
ot
heper
f
or
ma
nc
eoft
hi
spr
ec
i
ousmet
a
lt
endst
obei
ndependentofot
hera
s
s
etc
l
a
s
s
es
.Wi
t
ht
he
r
i
ghta
s
s
eta
l
l
oc
a on,t
her
ei
st
hepot
en a
lf
oryout
oma
k
eahea
l
t
hyr
et
ur
n,
whi
l
s
ta
l
s
or
educ
i
ngt
her
i
s
kofl
os
i
ngmoney
dur
i
ngper
i
odsofv
ol
al
i
t
yi
nt
hefina
nc
i
a
lma
r
k
et
s
.

9|






Download Magnus ebrochure - Pension Planning.compressed



Magnus ebrochure - Pension Planning.compressed.pdf (PDF, 3.08 MB)


Download PDF







Share this file on social networks



     





Link to this page



Permanent link

Use the permanent link to the download page to share your document on Facebook, Twitter, LinkedIn, or directly with a contact by e-Mail, Messenger, Whatsapp, Line..




Short link

Use the short link to share your document on Twitter or by text message (SMS)




HTML Code

Copy the following HTML code to share your document on a Website or Blog




QR Code to this page


QR Code link to PDF file Magnus ebrochure - Pension Planning.compressed.pdf






This file has been shared publicly by a user of PDF Archive.
Document ID: 0000319077.
Report illicit content