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<\/p>\nIs it really possible for an investor to double the retirement income of the current State Pension by simply skipping their morning coffee and investing the money into UK shares?<\/p>\n
As it turns out, with the right strategy, the answer\u2019s yes. And there are already countless investors aiming to build a chunky nest egg to secure a more comfortable retirement. Here\u2019s how.<\/p>\n
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Image source: Getty Images<\/p>\n
Building a custom portfolio<\/p>\n
Today, a decent cup of coffee in London will, on average, set you back roughly \u00a34. Alone, that doesn\u2019t seem like much. But buying a cup of Joe each day quickly adds up to roughly \u00a3122 a month.<\/p>\n
But what if this money were invested instead? On average, the UK stock market generates a total annualised return of roughly 8%. Investing \u00a3122 a month at this rate with a brand-new portfolio would gradually compound<\/a> over time and eventually start snowballing. So much so that after 37 years, an investor would have accumulated \u00a3331,400.<\/p>\n When following the 4% withdrawal rule, that\u2019s enough to generate a \u00a313,256 passive income, allowing investors to more than double the income provided by the UK State Pension alone.<\/p>\n Of course, waiting for a lifetime is far from ideal, yet by crafting a custom portfolio rather than relying on index funds<\/a>, it\u2019s possible for this journey to be drastically accelerated.<\/p>\n That\u2019s because with a custom portfolio, investors can go on to earn market-beating returns. And while that can prove tricky, even a modest improvement can cut years from the waiting time without needing any extra capital.<\/p>\n Average Annual Portfolio ReturnApproximate Time To Reach \u00a3331,400 By Investing \u00a3122 Per Month8%37 Years10%32 Years12%28 Years14%25 Years<\/p>\n Aiming for 14% gains<\/p>\n Cutting 12 years off the waiting time sounds great. But it\u2019s important to recognise the difficulty of actually earning a 14% annualised return. Investors will need to identify a business with ample long-term growth potential, protected by a wide moat of competitive advantages.<\/p>\n