Josh Hoskin Smart Money jhoskin@goldridge.co.nz

First, decide on the level of risk you are prepared to take when investing. This will determine your return, and therefore the amount you are likely to accumulate.

We can help you determine this and explain the implications of each level of risk with real examples not just theory.
The second decision is when you will retire. The longer this is delayed, the more money you will have, and in many cases, the best thing you can do in retirement is to work. This obviously generates additional income for you.
The third decision is about housing. Our experience is that clients selling down to a smaller property do not release as much capital as they hoped. While you may sacrifice size you will still want to live in a good area with double garaging and multiple roomy bedrooms.