開鎖違人如何選擇門鎖最平,最高保安電子門鎖,電子鎖如何安裝教學最快,開鎖方法,開鎖工具自製方法

This content was provided by Citibank Singapore

Women’s lives are full of twists and turns, with unique financial pressures along the way. But with a bit of smart financial planning you can plot a course, secure in the knowledge that you’re prepared for the different demands of each decade ahead. From starting a family to sustaining your lifestyle into your golden years, here are the most common major life events and how you can prepare yourself for them.

Financial planning in your 30s

This is a decade of new responsibilities, with the possibility of marriage, children and the purchase of a family home introducing new financial considerations. You may want to consider updating health, home and life insurance policies and build an emergency fund to handle unexpected expenses, such as a house move or changes in your career circumstances, without touching the principal in your financial accounts.

If parenthood is on the agenda, secure maternity insurance and budget for baby expenses – starting a family may also mean you will need to upgrade to a larger living space. Family matters also include your parents, as they may require additional care. You’ll need to know their financial situation and prepare to manage it as needed.

Now that you are more established in your career and are building your financial position, retirement may be the last thing on your mind. But it’s a good idea to be proactive about building your retirement funds now – consider voluntary contributions to your retirement plan, which could also provide tax benefits.

Financial planning in your 40s

As the top earning decade for professionals, your 40s is when you can turn your attention to your future. If you plan to continue working through your 40s, consider taking advantage of growth investment vehicles that have greater risk but also greater returns. If you hope to retire early, the right investments can help you protect your wealth while generating dividends to fund your retirement dreams. A professional advisor can help you decide what your goals are, including philanthropy and legacy planning, and steer you in the right direction.

As for retirement plans, you may have been building towards this, but this decade is key to having them in place. Review your insurance policies to make sure all your bases are covered, and learn about the different payout options of your various retirement accounts so you can maximise benefits and reduce penalties for accessing them.

Financial planning in your 50s and 60s

As you approach retirement, you will likely be considering when to leave your career. Shifting investments to more conservative assets may potentially safeguard your nest egg and still provide dividends. Upon the decision to step away from your career, the loss of income may be significant, so you may need to rethink your investment strategy to provide greater liquidity.

This is also the time to consider how you plan to transfer your wealth to the next generation. This involves family discussions to impart relevant financial details your children will need in order to successfully manage your wealth. A wealth transfer plan will also take into account estate taxes and ways to avoid them.

Finding balance

Throughout the decades, women are also likely to find themselves leaving and re-entering the workforce for any number of reasons. If this is the case, you will need to be equally vigilant regarding your financial health so that you can be prepared for whatever life throws at you. At different stages of life, you’ll have foreseeable and unforeseeable short-term and long-term needs, and with diligence you can be on top of them all.

Discover a world of wealth opportunities with Citibank Singapore. Click here to learn about Citigold.

This article is for general information only and is not intended to be a forecast of future events nor a guarantee of future results and should not be relied upon as financial advice. All views and opinions are as of the date hereof, and are subject to change based on market and other conditions without notice. The article has no regard to the specific objectives, financial situation and particular needs of any specific person. It is neither an offer nor a solicitation to purchase, nor endorsement or recommendation of any products or services mentioned therein, and the products or services mentioned may or may not be offered by Citibank Singapore Limited, its related entities and their respective directors, agents and employees (together "Citigroup").

This article and its contents do not constitute the distribution of any information or the making of any offer or solicitation by anyone in any jurisdiction in which such distribution, offer or solicitation is not authorised or to any person to whom it is unlawful to distribute such information or make any offer or solicitation.

Citigroup is under no duty to update this article and shall not be liable for any complaint, suit, action, claim, expense, loss or damages directly or indirectly arising out of or in connection with any person’s reliance on, or acting upon, or use of, any contents on this article. The article is subject to amendment without notice. Investment Products are (i) not insured by any government agency; (ii) not a deposit or other obligation of, or guaranteed by, the depository institution; and (iii) subject to investment risks, including possible loss of the principal amount invested. The information contained herein is not intended to be tax or legal advice, or an exhaustive discussion of the strategies or concepts mentioned herein. Please seek advice from your tax, legal or financial adviser as appropriate about the contents discussed herein or before investing in any investment products. Should you choose not to seek such advice, you should carefully consider the risks associated with any investments and make a determination based upon your own particular circumstances and assess whether such investment product is suitable for you.