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Retirement used to represent a winding down

March 14, 2017

 Retirement used to represent a winding down at the end part of life. But for 'the boomers', the first generation in history that will reach age 80 in great numbers, it represents an opportunity to explore new directions.


The definition of retirement is changing and means many things to different people.  For a start, many people don’t actually plan to retire. Research conducted for Citibank in 2007 found that only 26 per cent of the over-55's surveyed, intended to quit the workforce altogether when they reached retirement age.


Money and Happiness
The subject of money tends to hog the limelight, when it comes to retirement – how much is enough? and how we are going make it? Although few would argue in favour of financial hardship, a growing body of research shows that once our creature comfort needs are met, money takes a back seat.

Purposeful activity, good health and connectedness with family and friends, it seems, are the key ingredients for happiness in retirement.


Preparing for the good life
Work – love it or hate it – gives structure and purpose to our lives. For many, it gives a sense of identity and self worth, not to mention regular income. We enjoy our weekends as a release from the regularity of work; but 20 or 30 years of an extended weekend is an awfully long time without purposeful activity. Researchers report that there’s a honeymoon period of happiness following finishing work, that lasts about six months.


Once the novelty has worn off, depression can set in, if we don’t have something meaningful to do with our lives. Men are particularly vulnerable to depression, once they leave the workforce.


So how well prepared are you for life when you leave full time employment? Do you have a good idea about how you’ll be spending your days?


Here’s a short list of some of your options:

  • Don’t retire. Keep on working until the time feels right to wind down

  • Scale down to part time for a balance between work and leisure, and ease into retirement. Various financial strategies can help you to do this

  • Start your own small business

  • Write a book

  • Volunteer for a charity that supports a cause important to you

  • Support projects in your local community or run for the local council

  • Pursue all the interests you’ve never had time for, or discover new interests

Our retirement specialist can help. Make an appointment or email your enquiry.

Contact us.

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