Saving for retirement might seem difficult – but keep going!
You may be juggling a career with parenting and finding time for yourself. But it’s important to take your retirement planning seriously as now is the time to make up for any shortfall due to career gaps or part-time work that may leave you with a ‘pension gap’.
| Christine, age 48. “Securing my family’s future is a priority, which is why managing our finances is so important to me.” Christine has a net income of €X monthly and her risk profile is medium. Her planned retirement age is 66. |
Take control of your pension gap
You may have a pension with your employer, but you also may need your own retirement savings plan too to allow you have the retirement you want. It can be challenging to consistently top up your pension savings when you are busy providing for your family. But the statistics show that even small monthly contributions of €100 can build up a retirement pot and help to close any pension gaps you may have.
With smart retirement planning, you can take charge of your plans and we’re here to guide you.
This is what your retirement plan could look like:
A good approach is to invest in a mix of assets classes to create a diversified* retirement portfolio. At your age, you can expect to have a mix of equities and bonds, or you could adopt a more sophisticated asset allocation — this should be discussed this with your financial advisor.
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Quick tip | Funds and ETFs are diversified* and allow you to delegate your investment decisions to professionals. Investment experts carefully select securities, sectors and geographies based on the investment objectives and risk profiles of the funds you choose. You can also speak to a financial advisor about your retirement plans to develop a personalised asset allocation strategy. |
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*Diversification does not guarantee a profit or protect against a loss.
1 69% listed equities (shares that are traded on a public stock exchange) and 16% private equities (through shares in ETFs or private equity firms in companies are not listed on the stock exchange).
Unless otherwise stated, all information contained in this document is from Amundi Asset Management S.A.S. and is as of 19 August 2025. Diversification does not guarantee a profit or protect against a loss. The views expressed regarding market and economic trends are those of the author and not necessarily Amundi Asset Management S.A.S. and are subject to change at any time based on market and other conditions, and there can be no assurance that countries, markets or sectors will perform as expected. These views should not be relied upon as investment advice, a security recommendation, or as an indication of trading for any Amundi product. This material does not constitute an offer or solicitation to buy or sell any security, fund units or services. Investment involves risks, including market, political, liquidity and currency risks. Past performance is not a guarantee or indicative of future results.
Date of first use: 19 August 2025
Doc ID: 4785390