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2a02:8071:5eb1:9560:cd86:bf1a:b4ac:746b		This article provides a detailed perspective on planning for a comfortable retirement through passive income. It’s interesting how the author emphasizes the importance of tailoring retirement goals based on individual circumstances. The breakdown of income requirements for single and two-person households is quite eye-opening, especially the £43,900 figure for a single person. I wonder, though, how realistic it is for the average person to achieve such a high passive income through investments alone. The author’s strategy of investing in global stocks and maintaining a cash reserve seems balanced, but what about those who may not have the knowledge or confidence to invest in shares? Could there be simpler, less risky alternatives for people who are not as financially savvy? Also, how much of this plan relies on market stability, and what happens if the returns don’t meet expectations? It’s a thought-provoking read, but I’d love to hear more about how to mitigate risks for those who are just starting their retirement planning journey. What would you suggest for someone who’s hesitant to dive into the stock market?

If you buy a world tracker fund, as long as you can choose when to sell you will not lose money, it could be several years though, so if you are saving for a specific reason, like a deposit for a car or a house etc., compound your interest where cash is king.