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There' s a saying, I don' t know who by, that you should " invest in land, because they don' t make it any more." I think that' s good advice. Around 2004 there started to be a lot of stories in the media about company pensions and private pensions not delivering the benefits they had promised, mainly because they were linked to stock market investments. At that point I decided to withdraw my money from my own private pension and put it into property. I figured that if I bought a small office building, then by the time I reached retirement age, I would have paid off the mortgage and could live off the rent, so that' s what I did. I realised quite early on that my state pension wasn' t going to be sufficient, so I took out a private one when I was about 30. It works like a managed investment fund, a mixture of bluechip stocks, so I don' t really have much say in how the money is invested. Unfortunately, like a lot of private pension schemes, it hasn' t really performed as predicted. I think the projected growth rate was between 8 and 12 and it' s grown at about 4. 5, which isn' t much above inflation. There are signs that the stock markets are doing a little better now, so I' m hopeful that in the long run I will have reasonable funds for my retirement. Would I advise anyone to do the same, with hindsight, probably not . |
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yǒu zhè yàng yí gè shuō fǎ, nǐ yīng gāi tóu zī tǔ dì, yīn wèi tā shì bù kě zài shēng de. wǒ xiǎng zhè shì hěn hǎo de jiàn yì. 2004 qián hòu, méi tǐ bào dào le xǔ duō guān yú gōng sī tuì xiū jīn hé sī rén tuì xiū jīn bìng méi yǒu àn suǒ chéng nuò de wèi tuì xiū zhě tí gōng fú lì, zhǔ yào shì yīn wèi tā men yǔ gǔ piào shì chǎng tóu zī xiāng lián. zài nà shí, wǒ jué dìng qǔ chū wǒ gè rén tuì xiū jīn zhàng hù zhōng, zhuǎn ér tóu zī fáng dì chǎn. wǒ suàn guò, rú guǒ wǒ mǎi yī dòng xiǎo bàn gōng lóu, dào wǒ tuì xiū shí, wǒ yǐ jīng fù qīng le dài kuǎn, bìng néng kào zū jīn guò huó. wǒ hěn zǎo jiù fā jué wǒ de guó jiā tuì xiū jīn bìng bù zú yǐ bǎo zhèng tuì xiū hòu de shēng huó, yīn wèi zài wǒ 30 suì shí, wǒ qǔ chū le gè rén bù fèn. zhè jiù xiàng shì tuō guǎn tóu zī jī jīn, lán chóu gǔ de hùn hé, suǒ yǐ wǒ duì yú tóu zī méi yǒu tài duō de huà yào shuō. hěn bù xìng dì, xiàng xǔ duō gè rén tuì xiū jīn jì huà yí yàng, guó jiā tuì xiū jīn de biǎo xiàn bìng wèi xiàng yù qī yí yàng. wǒ xiǎng de yù qī zēng fú shì 6 12, dàn shí jì shang shì 4. 5, míng xiǎn gāo yú tōng huò péng zhàng. xiàn zài, shì chǎng yǒu jī xiàng gèng kàn hǎo gǔ piào shì chǎng. suǒ yǐ wǒ xī wàng zài cháng qī, wǒ néng yǒu hé lǐ de tuì xiū zī jīn. wǒ huì bú huì jiàn yì bié rén yě zhè yàng zuò? shì hòu kàn lái, bú huì. |