I have to plan your rest with Rule 30: 30: 30: 10

With the current unstable world economic environment, the Pension planning This is still important. The Expansion of business tensionsA The highest inflation It is important to protect assets against the relatively high interest rates and market fluctuations in different parts of the world.

The next changes in the rules Pensioners and hereditary line There Royalty They can also complicate pension planning. Joshua White, a financial expert and Level Group chairman, who specializes in Family Law, says in a note: “As of April 2027Rules related to pensions and hereditary taxes will change significantly, as most of the unused pension funds will be added to the value of a stock for the purposes of subsequent line, which eliminates the previous exemption. “

Although this is not very concerned for those who define contribution pensions, this action will affect those who define beneficial programs in particular.

“Taking into account Current prices of real estate And financial positioning, due to these changes, we calculate that a million British assets below the subsequent tax range may be subject to this tax. Because real estate is common The main assets of a traditionMany inheritance will enter the first time Hereditary tax“, Explicit white.

It also indicates that this change is preventing pensions from being used as a tool Financial planning Instead of the means of forecasting for pension. Therefore, beneficiaries and alphaysia should start planning accordingly and know the tax impacts.

The The law of pension planning 30: 30: 30: 10 This is very helpful in these types of rapid evolution, as it will help you continue to save your pension, get better and achieve your pension goals in a fixed way.

Rule 30: 30: 30: 10 How does the pension plan work?

Rule 30: 30: 30: 10 Says 30% of your savings to plan a pension Bonds30% of Actions and participation30% of Real estate Or characteristics and 10% cash.

In a note, Antonia Medicott, the founder and managing director of Insiders, who are experts in financial education, says: “The idea of ​​this rule is the basis for this rule Reducing risk When you protect yourself against shakes in those markets, you consider you to benefit from its long -term growth. “

This will contribute to the largest to the most distributed your money Skilled and profitableIt would be much better for a long time than leaving it in a savings account. Because most savings accounts do not pay adequate interest rates Fight the inflation rate Current. This means that if inflation continues, your savings can be greatly reduced when the time to retire.

The temporary value of the money, today says that 1 euro 1 is more than euro Within 20 or 30 yearsThis will help you reduce the value of your storage for many years. In this way, the use of the previous rule can help significantly cope with the risk of inflation.

Fate Pension planning 30: 30: 30: 10 guarantees that it significantly reduces the risk of its portfolio by distributing their money among stocks, bonds, real estate and various assets. In times of emergencies, it will continue Access to cashWithout seeking its long -term investments, 10% of its portfolio is allocated to the equivalent of money.

Rule of Pension Planning 30: 30: 30: 10 Is it suitable for you?

Medicot emphasizes this: “The main disadvantage of following such a rule when planning a pension, he can conclude what he receives The little longer income. In general, stock market invests offers more income than real estate bonds and assets, and 30% is the lowest percentage of its portfolio Has it invested in the stock market?“.

“So investors should take into account that this could be a” safe “way of planning a pension, but it won’t be Is very profitable for a long time“It also points out that pension suppliers are making more dangers with your money when you are younger. People are trying to transform their funds into low dangerous assets because people approach age and pension.

“In this way, you benefit from greater growth. At the same time you can accept its consequences DownstreamYou are running fewer risks when the time to withdraw your money, ”he explains.

He also says: “If you don’t know which one is the best form Save for the retirement. “

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Robert Mulder, a functional partner of senior capital, explains that Rule 30: 30: 30: 10 is not always the best way People have already retired Or near the pension. Therefore, these people may have to explore other possibilities to ensure their financial stability, especially taking into account the uncertainty of investment yields.

“Los Capital output mortgages They are gaining popularity in Europe as a possible option for retirees. These mortgages allow the owners of their homes to complete the capital of their homes without the need to pay interest immediately, and provide a standard financial option amidst the uncertainty of the investment yield, ”Mulder said.

And he also says: “Growing fame Patriotic recovery mortgages This is a natural response to the social challenges faced by many European countries. These financial tools offer a valuable opportunity to improve them for retirees Flexibility. By publishing the capital of their homes, retirees can increase their available income so that they can directly improve their quality of life in pension. “

Mulder points out that when the expert is carefully administered with the orientation, capital output mortgages balance long -term purposes such as safety Inheritance for future generations With the immediate need for financial security, maintain financial health.

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Rule 30: 30: 30: 10, as any other financial or pension planning rule is not a unique rule, it is important to remember that it should be used only on account Risk tolerance, financial purposes and funds are available.

In some cases, it is very useful to change the certain percentages with your personal purposes. For example, it can allocate a higher percentage of stocks or a lower percentage of bonds, depending on their risk option.

We remind you that this information is not financial consultation; Always inquire on your own to confirm that this applies to your specific circumstances. Keep in mind that we are a magazine website and that our goal is to provide the best guides, suggestions and suggestions of experts. If this is based on information on this page, it does so under its own responsibility.