Building The Future

By: Neerja Caprihan

Another brisk day, another fast-paced month and another chaotic year. Cannot wait to reach a point where the daily news is not making you anxious? Fed (pun intended) up of keeping track of where your money may or may not end up? Cannot wait to retire in peace?

We hear you. Running in a loop, on repeat, can feel overwhelming on days. Looking forward to retiring is all very well. But building a corpus generous enough to help you retire comfortably is quite another. And like with all good things, like following dreams or planting trees or spending time with loved ones or living a healthy life or building investments, the best time to do them was years ago. The second best time is now.

So what can you do?

• Give your finances an objective once-over to appreciate how far you have come, and ask yourself how far you want to go. The next time you are doodling on a piece of paper, chart out your life goals. We can help you substantiate the financial ones so you don’t lose track. There’s a nifty goal-tracker tool just for that.
• To manifest, has been quite the rage this year. Let’s do that for our financial security for the future. Take the time to divide, prepare and align your investments with your goals and in keeping with your expectations. Even wishful thinking can do with a little material help.
• Embrace the inevitable with joy. A well-planned retirement nest will allow you to look forward to your retirement as the next step to adventures you have waited all your life to have. And equally, to prepare for the little falls along the way.

Retirement is certainly not about putting an end to your dreams. On the contrary, it is about making time to chase them with a prudent ferocity and mature sensibility that comes with age and experience. It’s the time to build those dreams to completion, so make sure you have the financial wherewithal. That way those won’t remain castles in the air. 

Circling back to Fed, who knows, you might choose to add a third new building ¹? At least, funding shouldn’t be the reason to prevent you from doing so!

FOOTNOTES AND SOURCES

¹https://www.reuters.com/world/us/trump-powell-spar-over-costs-fed-renovations-2025-07-24/

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Covestor Ltd, also known and doing business as Interactive Advisors, is an Interactive Brokers Group Company. It is an investment advisor registered with and regulated by the Securities and Exchange Commission under the Investment Advisers Act of 1940. Registration does not imply a certain level of skill or training nor does it imply endorsement by the SEC. Interactive Advisors is not registered in any jurisdiction outside the United States. This website is for informational purposes only and is not intended to be a solicitation or advertisement in any jurisdiction other than the United States. See important Terms of Use and our Privacy Policy Notice on our Forms and Agreements page.

For the Goal Tracker tool projections, we use Monte Carlo simulation to generate financial and/or retirement goal projection forecasts and in connection with investment decisions. Monte Carlo simulation is a statistical modeling technique that charts the probability of discrete financial outcomes at certain times in the future. The outcomes presented using Monte Carlo simulation represent only a few of the many possible outcomes, will vary over time, and are not guarantees of investment returns. Moreover, since past investment performance and general market conditions may not necessarily be repeated in the future, your financial and/or retirement goals may not be fulfilled by relying on investment decisions that are based on Monte Carlo simulation results. Differences in account size, age, risk tolerance, transaction timing, and prevailing market conditions at the time of investment may also lead to different results, and you may lose money. Generally in Monte Carlo simulations, results are very sensitive to assumptions about expected return and risk and the base assumptions used may be unrealistic, leading to unrealistic outcomes.

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