Is your pension plan keeping up with your career ? | Amundi HK Retail

Make sure you have a pension plan as part of your goals in your 30s

Keep your pension contributions in line with your career path.

Meet Lucas: a 35-year-old freelance journalist on his retirement journey

Take charge of your life by creating a plan

You’re busy developing your career and maybe starting a family or even buying a house and you have some money left over to save every month. Now is the time to plan your financial future. The better you plan, the more likely you are to be able to shape your life goals and realise your dreams. A good pension plan is a great place to start, and now is a great time to think about maximising your retirement investments. 

 

         

Make sure to put pension plans in goals for your 30s

                          

 

Lucas, age 36 

“Is there a shortcut to saving for my retirement?”

Lucas has a net income of €X. He has a medium risk tolerance and his planned retirement age is 58.

Clear goals are the key to retirement planning

Setting aside a portion of your income each month, even as little as €100 or up to 20% of your monthly income, could lead to more opportunities for your future. A monthly budget, with clear objectives for retirement and the other plans you might have, could help you find ways to save more. 

And what if your plans have to change? Whatever life brings, investing in funds can give you the freedom to adapt by pausing payments or changing your investment goal.

This is what your retirement plan could look like:

A good plan is to invest in a mix of asset classes, so that you have a diversified* retirement plan. At your age, you can expect to have a mix of equities and bonds in your retirement savings.

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 Please note: 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