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Emily Shipp and Catherine Sermon: Targets still matter, but as signposts rather than promises
Retirement planning often begins with an end destination. Most people have a target age, projected pot or annual income in mind. These benchmarks can make a distant future feel more real.
But they can also suggest a predictable route to get there, whereas real life is a lot less linear. Careers change; people take time out to care, retrain, become self-employed, reduce hours or reti...
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