Retirement approaching? Keep adding to your pension savings | Amundi HK Retail

In your late 50s, the countdown to retirement is on

Now is a good time to review your plans for the life you deserve.

The countdown to retirement is on

It’s never too late to get smart about your retirement plans

At 57, you are likely contributing to a state pension, and you may have built up a pension pot with the help of your employer. However, these options may not be enough to maintain your lifestyle and pursue your goals when you retire. Increasing your personal retirement contributions or personal savings now can make a big difference to your future.

 

         

The countdown to retirement is on

                          

 

David, age 57. 

“I want to invest wisely, so that I don’t have to worry about my finances in retirement.”

David has a net income monthly of € X. He is not willing to accept many risks at this stage of life. He plans to retire at 67.

Create a retirement budget

It’s worth thinking about what level of your current income you want to replace in retirement. Can you afford the retirement lifestyle you would like? How much will you need to cover bills, healthcare costs, or the travel you might like to do? Creating a thorough plan now will give you peace of mind.

Adjust your portfolio to meet your retirement goals

At your age, a sound investment strategy across asset classes — typically including a mix of equities, bonds, and a small portion in money market instruments—can help you build the savings needed to close your retirement gap.

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 46% listed equities (shares that are traded on a public stock exchange) and 8% 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