Your Retirement

Our magazine that helps prepare you for the retirement you want and deserve

Mind over money

We all know what we should be doing to save for a comfortable retirement, but our instincts can get in the way. Your Retirement is here to help you avoid the pitfalls and develop good investing habits for the future.

This issue is all about you, and me and everyone around us. We’re all human and sometimes our sentiments and gut feelings can undermine what we know we should be doing as investors.

Building a good retirement pot is simple in theory. You put away some of what you earn every month from as early as you can, invest it wisely and then let compounding do its work. The trouble is, life often gets in the way – paying the mortgage, fixing the car, supporting the kids. This can prevent us saving as much as we could.

When we do save or invest, we can also make mistakes. Too much cash will not protect against inflation. We may take more risk than we can really afford with the investments we choose. Money may remain in underperforming investments long after it should in the hope of a recovery, or it may be transferred out at the first sign of adverse market behaviour, leading to losses over the longer-term.

A common mistake is not talking enough about our finances. Many people still don’t make a will, or forget to say who they want to receive their pension pot after they die. No-one likes to contemplate death, but it is important for sound financial planning and you can read more about this here.

Successful long-term wealth planning is as much about building good habits as it is about choosing the right savings and investments. It’s also about avoiding bad, potentially wealth-destroying habits. We’ve designed a checklist to help you focus in this area and you’ll find it here.

By overcoming any bad investing habits and building on your good ones you can become a smarter long-term saver and investor.


Important information: Please remember the value of your investments and any income from them can go down as well as up and you may get back less than the amount you originally invested.

All investments carry an element of risk which may differ significantly. If you are unsure as to the suitability of any particular investment or product, you should seek professional financial advice.

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Alliance Trust Savings Limited is registered in Scotland No. SC 98767, registered office, PO Box 164, 8 West Marketgait, Dundee DD1 9YP; is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, firm reference number 116115. Alliance Trust Savings Limited gives no financial or investment advice. ‘Alliance Trust Savings’, ‘ATS’ and 'AT Savings' are all brand names of Alliance Trust Savings Limited together with the ‘Alliance Trust Savings’ logo are owned by and used with the permission of Alliance Trust PLC, the previous owner of Alliance Trust Savings Limited.