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How to Prepare for Retirement: 5 Investment Options

Retiring is a long-term commitment. How much money you will have to spend in later life, relies on the decisions you make in the present. That's why you need to consider it carefully, re-invest your assets, and create a suitable financial plan for the future.

Use the assets you have now to invest it in various ventures, and years from now those investments will pay off. Start thinking about the future, and choose one of these investment options to help you save up money for your retirement.

Retirement Funds

A retirement fund is the basic form of investment people use to invest in old age. The amount of money you will gain from your pension plan depends on a couple of factors:

  • How soon do you start investing in your retirement fund;
  • How much money you invest in your retirement fund;
  • What kind of retirement plan and institution you use.

If you invest well, the money can increase based on the decisions you make. For example, if your retirement fund is part of a greater collective, it can be used by venture capitalists as collateral for their investments in the stock market. Alternatively, if your 401(k) savings plan is tied to a bank, you can expect returns on your investment via long-term interest rates.


Cryptocurrency is a decentralized online digital currency used as a payment system for blockchain technology. Currencies like Bitcoin are universal peer-to-peer financial units that people can use directly without a need for gatekeepers and intermediaries like banks and financial institutions, such as Western Union.

It is also decentralized, meaning it doesn’t require a central depository. As such, anyone in the world can use cryptocurrency to complete a transaction.

Cryptocurrencies are stable investment options because their value is directly linked to a finite amount of currency that can be “mined”. In fact, there is the upper limit of 21 million Bitcoins that can exist, which allows it to resist inflation, similar to the Gold Standard Dollar. And since its current value on the stock exchange is high, cryptocurrency is a worthwhile investment you should seriously consider.

Precious Metals

Investing in precious metals is a good way to diversify your investment portfolio. Gold, silver, platinum, and palladium are also among the most stable investments since their value generally remains the same even in times of great financial turmoil. For instance, the price of platinum remains high because there is only a finite amount in the world and the process of mining it is extremely expensive. The precious metals can serve as insurance in case your other investments flop, so you still have some equity to re-invest and make a return.


A share is a unit of capital ownership in a company or financial assets, which gives you entitlement over profit (dividends) of the company in proportion to the number of shares you own. This type of investment is highly unpredictable because it’s affected by changes in the market. For example, when Donald Trump issued his tariffs, the price of Facebook, Amazon and Google stocks fell in light of the development.

However, if you have experience in the stock market or you know someone that does, investing in company shares can be a lucrative investment venture. When you invest in start-ups, for example, and the company grows fast, the price of your shares can go up dramatically, as well as dividend payouts to shareholders like you.


It’s now ten years since the housing market bubble burst in 2008, and the value of the property is once again rising. Property investment is a stable option because it's inherently based on a physical purchase and requires long-term dedication.

The best thing to do is to take out an investment loan and purchase real estate, commercial property, or land. In most cities and urban areas, the property value is less volatile, so it’s best to buy in those real estate zones. You can then rent out the property and receive a steady revenue stream on a regular basis, even before your retirement.

Investing in property is also self-sustainable. You can use the cash from rent to pay off the loan, and once the debt is paid, you are the only owner of the property, which means you have something to leave in your inheritance.

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