10 Common Mistakes People Make Affecting Retirement Or a Financial Plan | Financial

The most 10 common mistakes people make which will effect financial freedom:-1. Under Save: Without a financial plan, how do you estimate how much you need to support your financial goals and commitments? You might erroneously think that you can afford to spend most, if not all, of your current income.2. Over save: Some people tend to under spend and save a lot of their income. Believing that saving more will have better financial position during retirement. However, this is might be half true. We need to save just sufficient money to meet our financial goals and not just for the sake of saving. You need to have financial plan to determine your optimal saving amount.3. Under insure or over insure: Every of you might have different protection needs, it is hard to determine how much you should insure yourself if you don’t have a clear financial situation. You might over insure if you are risk averse or under insure if you are a risk taker.4. Buy big Property such house and car: Most people will determine whether they can afford their home by looking at their ability to pay the down payment and service the monthly mortgage installments. However, do you think about how the purchase will affect your ability to achieve future financial goals? With a proper financial plan, you will be able to identify the real price you affordable for that home or car purchase. You will be able to adjust your expenses such as children’s tertiary education, your retirement age, your retirement income and other financial goals to accommodate your purchase.5. Over spend or Under spend: Without proper financial plan, you can’t see the impact of your children’s tertiary education funding on your other financial goals. The idea is not to over spend on one child and affect the funding of other financial goals or worse, the funding of others children’s tertiary education. On the other hand, you don’t want to underspend on your children’s tertiary education and regret it later.6. Invest in unsuitable investment products: Without a proper financial plan, you won’t be able to identify the investment on return (ROI) that suit your financial freedom. You may end up investing in wrong investment products which might affect you financial plan.7. Over invest in Properties: With a financial plan, you will have to think about diversifying your asset allocation; without a plan, you may end up investing only in properties. Property investment is not bad but overinvesting will expose you to too much risk in one asset class and badly affect your portfolio if the property sector takes a dip. it may also affect your cash flow if you take out too many mortgages.8. Undersell your business: Selling your business for a good price can give you financial freedom and a worry free retirement. Without a financial plan, you might risk underselling your business.9. Retire too early or too late: In retirement planning, you don’t want to retire too early and end up not having enough financial resources to support your retirement lifestyle. You also don’t want to retire too late that you might don’t have enough time to enjoy life.10. Planning and Slow acting: Without a financial plan, you don’t know the exact price you will be paying for procrastination — either in saving, investing or insuring. You might take it easy until it is too late.In conclusion, we should avoid wasting resources and lay out the best route to financial freedom today.


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