Your 20s are long gone and your 30s were too busy with building your career and your family. You are now in your 40s and realise it is time to start thinking about your future and that of your family. Time has come to start building, and investing is probably your safest bet.
- Retirement plans
- Real estate
- Commodities: gold, diamonds
Most viewed diamond jewels
1.20 carat solitaire diamond ring in yellow gold with side diamondsFrom € 3.180 (excl. VAT)
2.50 carat solitaire diamond ring in yellow gold with side diamondsFrom € 1.940 (excl. VAT)
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Retirement plans are becoming more popular as employers grant private retirement funds to employees as a perk for working with them. Which means that at the end of your career, you not only have a state pension but also a private pension. The advantage of this private retirement plan is that if you change jobs, you can either transfer and combine the funds to your new plan or you can continue contributing to it yourself if it’s not part of the package in your new job.
But if your employer does not offer a private pension plan and when you were in your 20s and 30s you didn't do any savings, it is crucial that you start contributing to one in your 40s. Nowadays even your own bank may offer retirement plans, which are tax deductible, making it all more accessible and easy to set up.
Investing in real estate seems to be one of the few things people think of doing when they start building a family. And that is already a good step for your future, because paying for a mortgage when you’re in your 30s and 40s, guarantees that when you retire, you will have a home that is paid for so your expenses will be considerably lower than if you had rent to pay.
Real estate is also recommended because it’s a valuable investment. Over the years, property does not devaluate, on the contrary, it increases considerably. In Belgium for instance, in the past 10 years real estate has increased by 31,06%. Its considerable and therefore considered a safe bet.
Commodities: gold, diamonds
Whether you have a property and a retirement plan or not, if you’re in your 40s, you need to look into investing and investment portfolios. Commodities such as gold and diamonds are recommended , they provide solid, long term investments, they hold their values and they are great hedges against inflation. Diamonds are portable, light and could even be carried in your pocket.
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