There’s never a right time to think about making retirement plans.
At 30, you think you’re too young, at 40 you think you’re too old and by the time you are 50, you might think it is just too late.
In fact, 54% of investors globally have no long-term financial plan in place1 You may have dreams for your retirement or simply want to maintain your current lifestyle.
Reduce your financial stress and enhance your well-being by simply starting or reviewing your pension plan today.
We are all living longer which means we have more years to prepare for financially in retirement. You may need an income for 30 years or more after you retire.
We know that 73% of young people think a state pension will not be sufficient to help achieve a comfortable retirement2. With an aging population there is an increased pressure on pension financing, meaning households will have to save more for their retirement and may need to supplement public pensions even more into the future.
One thing is certain, time can be your ally when it comes to saving for retirement. With longer saving periods, the returns on the capital markets and the compound interest effect, savings can grow exponentially over time as interest is earned on both the initial principal and accumulated interest. This has a snowball effect over the lifetime of your investments and the positive financial impact can be considerable.
Regularly investing your money in the markets is also an important factor to consider. By setting up a regular payment towards your retirement, you can potentially reduce the impact of market volatility. Take an example of saving €300 a quarter for 25 years and one person invests in a balanced fund and the other keeps the money in a deposit account3, the results are very different as you can see from the chart below.
Even small amounts from 100 euros a month into a fund or ETF savings plan allows you to earn the best results from the financial markets. You can also pause your payments, if your circumstances change which gives you flexibility.
Only 19% of Gen X have any confidence in having a financially comfortable retirement5. Gen X are the next generation to retire (currently in their 50s) and we can see from our research that confidence in achieving a comfortable retirement decreases as we get closer to retirement.
Private pensions are becoming increasingly important if you want a comfortable retirement.
It’s your future and we are here to help you get there. If you prefer, we can take the time and nerves out of solo investing for you. Whatever your retirement dreams are, we can customise a plan with you to boost your retirement income.
Regardless of what stage of your career, having a retirement savings plan is always the smart solution. We have a range of solutions that fit your retirement needs.
Amundi, Europe’s leading asset manager among the top 10 worldwide with extensive local experience in offering retirement solutions.
We can help you navigate the impact of market changes on your portfolio or explore investment options.
We are committed to helping you achieve your retirement goals.
1 Source: Amundi, Decoding Digital Report 2025
2 Source: Amundi, Decoding Digital Report 2025
3 Interest rate of 3% ECB as of 31.12.2024
4 Investments may go down (Disclaimer?)
5 Source: Amundi, Decoding Digital report 2025
Unless otherwise stated, all information contained in this document is from Amundi Asset Management S.A.S. and is as of 24 March 2025. Diversification does not guarantee a profit or protect against a loss. The views expressed regarding market and economic trends are those of the author and not necessarily Amundi Asset Management S.A.S. and are subject to change at any time based on market and other conditions, and there can be no assurance that countries, markets or sectors will perform as expected. These views should not be relied upon as investment advice, a security recommendation, or as an indication of trading for any Amundi product. This material does not constitute an offer or solicitation to buy or sell any security, fund units or services. Investment involves risks, including market, political, liquidity and currency risks. Past performance is not a guarantee or indicative of future results.
Date of first use: 24 March 2025
Doc ID: 4353082
