Learn » 1.4 Longevity and Planning for the Future

1.4 Longevity and Planning for the Future

How long will you actually need your retirement savings to last?

At Common Wealth, we do the math for you. We follow financial planning guidance and assume you live a bit longer than average.

When it comes to retirement planning, caution works in your favour.

By planning for a longer life, you’re protecting yourself against one of retirement’s biggest risks and ensuring your financial peace of mind for the long haul.

In this video, we cover:

Why longevity estimates really matter in retirement planning
How Common Wealth uses conservative life expectancy estimates to protect your financial future
Examples illustrating how longevity affects financial planning and savings goals

Next Lesson: 1.5 Other Sources of Retirement Income

Module 1: Planning Your Retirement Journey

1.1 Let’s start here: Retirement Foundations
1.2 Setting a Retirement Age
1.3 Estimating Your Retirement Income Needs
1.4 Longevity and Planning for the Future
1.5 Other Sources of Retirement Income
1.6 Your Retirement Readiness Score

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3.6 Keeping the Long View

Let’s end this module by looking at investment returns. Your investment return is how much your investments grow over time. For example, a 5% return

3.5 Staying the Course

Markets go up and down. In the long run, they’ve delivered solid growth—but in the short term, they can be unpredictable. When markets are volatile—like

3.4 Building a Smart Investment Strategy

Building the habit of consistent saving—and making sure those savings are invested automatically—is powerful. Contributing monthly or every payday not only helps you save more,

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