Growth stage: 40 to 55
A time for growth
They say your life begins at 40, these peak earnings years are a good opportunity to enjoy your hard-earned money and maximise your savings and investments.
Enjoy the fruits of your labour
There are lots of opportunities in your 40s and early 50s to spend what you’ve earned while progressing in your career. If you have children then you’ll be balancing their financial needs with your own, which might include looking at the investment options available to grow your wealth.
A maturing family
Children are becoming a little less dependent – though maybe not financially just yet. This stage in life offers plenty of chances to consider all your financial needs.
Peak earning and dual incomes
Dual incomes and peak earnings during your 40s and early 50s provide a chance to reflect on what you have – by spending what you’ve earned and investing for the future.
Reducing mortgage debt
You’re likely to enjoy lower mortgage repayments in your 40s and early 50s, leaving you with the financial flexibility to explore investment opportunities.
Travel and leisure spending
You’re likely to be enjoying spending time with your family on holidays and social activities together. Your home may also benefit from extra spending, as your family’s needs evolve.
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Keep building on what you have
In between the moments when you’re enjoying what you’ve earned, there’s an opportunity to explore ways to diversify your investments. Keeping on top of your pension plans in your 40s and early 50s is another important task.
Pension accumulation
Will I have enough for the retirement I want?
When it comes to planning your retirement, you can’t afford to leave anything to chance. We’ll help you take control, so you have financial security and flexibility over when and how you retire.
Financial Planning Service
A carefully designed financial plan can give you the freedom to do even more of the things you want to do – and maybe even things you never thought possible.
Bespoke Investment Service
Entrust a dedicated expert to make investment decisions on your behalf. We’ll monitor and adjust your portfolio to make sure you do not miss out on appropriate opportunities or are exposed to unnecessary risks.
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