Investment strategies for retirement - EDITIONS ESKA - Eska - broché - Etude

The issue of pension financing is evolving everywhere, becoming more of a collective corporate or purely individual matter rather than a State one. Demographic changes are making sharing mechanisms hard to control, and social deficits are leading to States often pulling back from their obligations. The responsibility is therefore gradually being transferred from Society to savers, who will have to assume an increasing responsibility for constituting their supplementary pension during the period after retirement. However, doing so is not a formality. Individuals are often badly prepared to face up to these issues and several asset management-related matters are complicated by the specific characteristics of a pension plan. Many different questions will arise throughout the saver's life. At what age should I start saving? When should I increase or reduce my savings? What products should I choose? What degree of risk should I take on? Are there more favourable underlyings, e.g. property?