The years following the financial crash of 2008 were very sombre for all of us on the financial front, and the area of pensions and retirement planning was particularly hard-hit. However, over the last six to seven years, global markets have been in strong recovery mode & people saving for their retirement have generally seen significant improvement in the size of their pension funds. Not withstanding this, as a nation we face some cold realities and tough challenges with regard to planning our retirement income.
