6 Retirement Tips the Wealthy Get from Their Advisors — That You Can Use Too
When you think of retirement advice, it often feels out of reach—something only for the rich. But here’s the truth: many of the strategies financial advisors give to their wealthy clients can work for you, too.
At Level Africa, we believe financial growth should be accessible. So, here’s how you can use the same principles the wealthy follow—to retire comfortably and on your terms.
1. Start Early (But It’s Never Too Late)
Wealthy clients are told to start saving and investing early—and so should you. But if you haven’t yet, don’t panic. The key is starting now.
At Level Africa, you can begin investing with small amounts in:
- Unit Trusts
- Government Bonds
- Fixed Income Deposits
It’s not about timing the market. It’s about time in the market.
2. Avoid Lifestyle Inflation
As income increases, many increase their spending too. Wealthy advisors recommend keeping expenses stable and using that extra cash to invest more.
Whether you get a raise, bonus, or side income—resist the urge to upgrade everything. Instead, put a chunk into your investment portfolio on Level.
3. Maximize Mid-Life Contributions
In your 40s and 50s? That’s prime time to boost your investments. Wealth planners urge their clients to catch up on their goals during these years.
You can ramp up with:
- Bigger contributions to Unit Trusts or Bonds
- Short-term fixed income options for predictable returns
4. Diversify Your Portfolio
Wealthy people don’t leave all their money in one place—and neither should you.
On Level, you can build a balanced portfolio with:
- Stable returns from Government Bonds
- Growth potential from Unit Trusts
- Security from Fixed Income Deposits
Diversification protects your money and grows it smarter.
5. Plan Your Retirement Age (Don’t Drift Into It)
Set a goal. Don’t just work “until.” Wealth planners help clients define when and how they want to retire.
Ask yourself:
- When do I want to stop full-time work?
- What lifestyle do I want?
- How much monthly income would I need?
Then use Level’s tools to build a plan toward that.
6. Invest Consistently—Even in Uncertain Times
Wealthy clients keep investing, even when markets feel shaky. Why? Because consistency beats timing.
With Level, you can automate your contributions and keep building wealth, even when the economy feels unpredictable.
You Don’t Need to Be Rich to Retire Well—Just Intentional
Financial freedom isn’t just for the elite. These tips work at any income level when applied consistently. With the right tools and a long-term mindset, you can:
- Start early or start now
- Invest smart and diversify
- Retire comfortably
Thousands are already doing this on Level Africa. Join them.