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If you started saving late or not at all, here are some tips on how to secure a pension.
1. The Career Plan
If you pick a career where benefits are good and a pension plan is provided, you can retire with a comfortable guaranteed income and never save a penny along the way.
The longer you work in your chosen career, the higher your retirement pension will be.
I see this approach in action most frequently with teachers, fire and police workers, military personnel, and people who work for the federal or state government. They stick with their career, structure things so their house is paid off about the time they retire, and with a stable pension, retiree health benefits, and in some cases Social Security too, they are able to live quite comfortably.
2. The Late Start Plan
Professionals, such as doctors, lawyers, architects and accountants, often get into the habit of spending more as they make more. In this situation, it’s easy to find yourself in middle-age with no substantial retirement savings.
One option to consider: leave private practice or small business and go find a corporate or government job that offers a pension. Spend the last 10 to 15 years of your career in a place where retirement health benefits and a pension are part of the package. This late-start plan can be a life saver for high earners that didn’t save along the way. It may not be what you envisioned the later part of your career to be like, but the pension income and benefits will make your retirement years far more comfortable.
3. The Live on Less Plan
Did you know that Social Security is pretty much the sole source income for about 20% of retired couples and 43% of retired singles? Living on Social Security may not sound like the ideal retirement plan, but if you had a lot of fun along the way, the trade-off might be worth it. This plan can work great for the free-spirited type, or for anyone that for whatever reason didn’t save along the way.
And, if you work until 70, and wait until 70 to claim Social Security, you’ll be getting a decent income. You get a lot more by claiming later. Combine that income with a low-cost lifestyle, and living on Social Security, believe it or not, can be comfortable — if you know how to stretch your dollars.
To read the whole article see: The Balance