The pandemic has not only had an effect on people's investment and savings behaviour but also on their retirement outlook.

The 2021 Natixis Global Retirement Index looks at the state of retirement security around the world — and takes a deep dive into four critical concerns for retirement savers, including inflation, interest rates, public debt, and a world of worries.

Almost half of over-55s have bought cryptocurrencies in the past two years, according to the Schroders Global Investor Study - suggesting the appetite for high-risk investments is not limited to the young.

Eight in ten individuals know it is increasingly their responsibility to fund retirement. So, how can retirement investors tackle their goal of a more secure retirement?

Saving for retirement requires a long-term plan, and making changes based on short-term decisions could have adverse effects. 

Understanding how inflation could affect an investors retirement strategy is essential in ensuring they have enough assets to last them through their retirement years. 

When planning for retirement, it’s important for any investor to think about their retirement goals and how long they have to meet them. Committing to a long-term investment strategy when planning for retirement could help avoid making impulsive decisions and ultimately, mistakes. 

In 2021, the world is full of uncertainties for retirees and those saving for retirement. Security is a critical issue — from the immediate challenges of more waves of the pandemic, to longer-term questions about the environment, geopolitics, and inflation.

We believe that over the long term, investing and saving can complement one another. For many people, this combination is potentially a way to achieve their long-term financial goals for retirement. 

At its heart, multi-asset is a solution that can deliver peace of mind by spreading investment risk across a variety of asset classes. 

There are four principal risks when it comes to investing in retirement – longevity, inflation, market volatility and behavioural factors.