Retirement means different things to different people.

This document provides some insight into the issues and considerations you need to think about when planning for retirement. It’s designed to be of a general nature only, and doesn’t contain any recommendations, offers or invitations to buy any financial products. Before making any investment decisions about your retirement, you should evaluate the extent to which this information is appropriate to your individual investment objectives, risk profile, financial situation and other requirements. A financial adviser can help you with this process.