How to get started with saving for your pension | Amundi HK Retail

Your 20s are the perfect time to start your pension

Regular contributions add up over time, so start now with realistic goals for the future you want.

meet Hannah, a 25 year old Marketing specialist on her retirement journey

Just started your first job? Now is a great time to begin investing

We know that your priorities are probably rent, everyday expenses, and maybe your next holiday adventure. On a starting salary, it can be hard to find money to tuck away. Having a well-funded private pension is increasingly important and saving small amounts now, even just €50 a month, can make a major difference to your future. 

 

         

Hannah

                          

 

Hannah, age 24

“I want to save for retirement without giving up my life.” 

Hannah, has a net income of €X. She is prepared to take some investment risks and her planned retirement age is 59.

3 key elements that can help you build up future wealth

  • Time
  • Regular instalments
  • Diversified* investment solutions

The earlier you start saving for retirement, the easier it could be to create the retirement you want. Money invested now will have time to potentially grow over the years. This means you can aim to close the gap between any pensions you may be entitled to from the state or your employer with small, regular contributions in order to have a comfortable lifestyle in retirement.

Boost your spending and saving confidence

If you’re wondering how to find the money to save into a pension, you could try creating a monthly budget to help you track your expenses and identify any savings opportunities. Starting early and creating good financial habits will give you the best chance of achieving your goals. We are here to help you get started on your financial journey.

We know that it isn't always easy to put money aside every month but if you start planning for your future today, you can give yourself a sense of security and peace of mind.

Take control of your money by creating a monthly budget

A simple budgeting rule is 50/30/20. This involves splitting your after-tax income into three categories of spending: 50% goes to needs, 30% goes to wants, and 20% goes to savings.  

If a 20% savings target is too much, you can start with smaller investments and try to increase the amount over time.

Quick tip

If you want to follow this rule, you can set up automatic investments and track changes in your income. You may have to adjust the percentages, depending on your salary or if you live in an area with a high cost of living. It doesn't matter if you are not hitting the 20% savings target, the most important thing is that you give yourself a rule and stick to it.

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*Diversification does not guarantee a profit or protect against a loss.

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