Made It Through Mum

Labor Day is more than just a well-deserved break—it is a time to honor the hard work that shapes our nation, and a perfect opportunity to look ahead. It marks a shift from the daily grind to focusing on long-term financial security and peace of mind. Whether you are an individual professional planning for a comfortable retirement or a business leader aiming to protect your greatest asset—your people—understanding how to build a solid retirement plan is essential. The Reality: Are We Ready for Retirement? Recent findings from the Retirement Index reveal a significant gap: most professionals feel unprepared for their post-work years. While everyone dreams of retiring comfortably, many lack a clear path to get there. Retirement should not mean financial uncertainty—it should be your golden era: a time to enjoy the rewards of decades of hard work without having to compromise your lifestyle. To make this a reality, proactive planning is key. Traditionally, a secure retirement rests on thre...

" Retirement is a time to experience a fulfilling life derived from many enjoyable and rewarding activities"- Ernie Zelin MOST Filipinos remain unresponsive to retirement planning even when its importance has been highlighted, time and again, by experts.  The lack or insufficient understanding of its benefits remains the primary reason, followed by personal choices, life situations and mindsets. For the working class, in particular, the 2019/2020 Global Benefits Attitudes Survey conducted by Willis Towers Watson indicated that in terms of retirement readiness, more than 50% of surveyed employees bared they were not heading in the right direction when it comes to retirement savings. While they allocate a portion of their savings for retirement, they are still saving less than they ideally should. Employees tend to rely on their employers’ plan for their retirement security, which include the payment of social security benefits and the mandatory retirement pay. These, howe...