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 place.1 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 retirement savings plan today.
We are all living longer which means we have more years in retirement to prepare for financially. 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 retirement1. With an aging population there is an increased pressure on the pension scheme, making it essential for households to save more and supplement their pension savings to ensure financial security in retirement.
One important factor to consider is that time often plays a beneficial role in saving for retirement. With longer saving periods, the potential for returns from capital markets combined with the effect of compound interest may help savings grow over time, as interest is earned on both the initial principal and accumulated interest. This compounding effect can contribute to the growth of investments over the long term, potentially resulting in a meaningful financial impact.
Regularly investing your money in the markets over time is also an important strategy to consider. Investing in balanced funds or equities can provide greater financial opportunities. The earlier you start, the more potential opportunities you may open up for yourself.
As illustrated above, even investing small amounts, starting from just 100 SGD a month into a fund or ETF savings plan, can make a significant impact on your retirement savings over time. Additionally, you have the flexibility to pause your contributions anytime, providing greater control over your retirement journey.
Our research shows that only 19% of Gen X feel confident about having a financially comfortable retirement1. As the generation currently in their 50s and approaching retirement, confidence in achieving a comfortable retirement tends to decline as they get closer to the milestone.
This is where Amundi can support you. Regardless at what stage you are at in your career, having a retirement savings plan is always the smart choice. We offer a wide range of solutions to fit your retirement needs, and can be used to design a personalised savings plan to boost your retirement income.
Now is the time to get your retirement goals on track. Let’s start planning today.
Strategies that can help to support your retirement journey:
Amundi, Europe’s leading asset manager among the top 10 worldwide2 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 on your journey towards achieving your retirement goals.
1 Source: Amundi, Decoding Digital Report 2025
2 Source: IPE “Top 500 Asset Managers” published in June 2025, based on assets under management as at 31/12/2024.
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Date of first use: 7 November 2025
Doc ID: 4722474
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