Late Starter's Guide to Investing: How to Catch Up When You're Behind

If you've looked at your pension balance and felt that creeping dread, you're not alone. Around 39% of UK savers are not on track to hit their retirement income target. But retirement isn't pass or fail, and it's never too late to close the gap. There are four catch-up levers available to you, they don't pay equally, and most people rank them in the wrong order. This video shows which ones produce the biggest improvement for the years you have left. When investing, your capital is at risk and you may get back less than invested. Past performance doesn’t guarantee future results. This information is not investment advice. Do your own research. Other fees may apply. Sponsored link. To get free fractional shares worth up to £100, you can open an account with Trading 212 through this link https://www.trading212.com/join/RAMIN. Terms apply: https://www.trading212.com/legal-docu... Pies & Autoinvest is an execution-only service. Not investment advice or portfolio management. Automatic investing refers to executing scheduled deposits. You are responsible for all investment and rebalancing decisions. Trading 212 Cards are issued by Paynetics which provide all payment services. T212 provides customer support and user interface. Here's How I Knew I Had Enough to Retire:    • Here's How I Knew I Had Enough to Retire   ✔️ If you want to learn more about investing, why not become a pensioncraft.com member? To find what we offer and how you can join our friendly community click here https://www.pensioncraft.com/investor... What Else PensionCraft Offers: 💡 Book a coaching session with Ramin so he can answer your questions in a one-to-one video call via Zoom: https://pensioncraft.com/power-hour/ 📰 Sign up for our free weekly market roundup to get news and views about what's going on in the stock market and wider economy https://pensioncraft.com/market-roundup/ 📖 Understand investment in more depth with my online courses https://pensioncraft.com/courses-we-o... ❓ Join PensionCraft on YouTube and you’ll be supporting me to make more content and I will answer your questions and respond to your comments on YouTube as a priority https://www.youtube.com/pensioncraft/... 🎧Check out our free weekly podcast "Many Happy Returns" on your podcast app of choice or at    / @manyhappyreturnspodcast   The Following Data Sources Help Me Create My Videos (These links provide new users with a special offer and may also provide me with a small commission) ✔️ Stockopedia - New users get a special 25% discount on any annual plan if they use this link http://stk.pe/pensioncraft or enter our promo code 'PC25' at the checkout. ✔️ ShareScope & Sharescope Pro - special discount offers are available for PensionCraft viewers who use this link https://www.sharescope.co.uk/pensionc... ✔️Bondfish provides bond market data, analytics, and broker availability. New users get a special 20% discount on the Premium plan when they use the promo code PENSIONCRAFT at https://bondfish.com/pensioncraft Timestamps 00:00 Introduction 01:24 What Behind Means 03:16 Retirement Tiers 04:39 Four Catchup Levers 06:32 Lever One Save More 07:46 Fees And Tax 10:32 Lever Two Work Longer 12:19 Lever Three Risk 14:23 Lever Four Expectations 15:23 Best Lever By Age 17:02 Wrap Up And Next Steps Where Else You Can Find Me 🌐 Website - https://pensioncraft.com/ 📱 Twitter -   / pensioncraft   👨 Facebook -   / pensioncraft   🔗 LinkedIn -   / pensioncraft   Take A Look At Some Of My Other Videos 📹 Investment For Beginners playlist    • Investing for Beginners   📹 Investing For Retirement playlist    • Investing for Retirement   📹Investing With Vanguard playlist    • Investing with Vanguard   📹 Portfolio Building Blocks playlist    • Portfolio Building Blocks   DISCLAIMER All information is given for educational purposes and is not financial advice. Ramin does not provide recommendations and is not responsible for investment actions taken by viewers. Figures that are quoted refer to the past and past performance is not a reliable indicator of future results. If you need financial advice, Unbiased, the UK’s leading online directory of financial advisers, can connect you to an Independent financial advisor for free. Additionally if you use our link to register with Unbiased, your first consultation with a financial adviser is free. https://imp.i337888.net/c/4012142/193... (This link provides you with a special offer and we will also earn a small commission)