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Image source: Getty Images<\/p>\n
Everybody should aim to build up the maximum State Pension, but they shouldn\u2019t stop there. Because the harsh truth is that it simply won\u2019t be enough to fund a decent retirement.<\/p>\n
The new State Pension is currently worth a maximum of \u00a312,547. That\u2019s below the income required to fund the \u2018minimum\u2019 lifestyle, according to the latest Retirement Living Standards survey.<\/p>\n
Should you buy Aviva Plc shares today?\t<\/p>\n
Before you decide, please take a moment to review this report first. Despite ongoing uncertainties from US tariffs to global conflicts, Mark Rogers and his team believe many UK shares still trade at substantial discounts, offering savvy investors plenty of potential opportunities to learn about.<\/p>\n
That\u2019s why this could be an ideal time to secure this valuable research \u2013 Mark\u2019s analysts have scoured the markets to reveal 5 of his favourite long-term \u2018Buys\u2019. Please, don\u2019t make any big decisions before seeing them.<\/p>\n
Lifestyle targetSingle personCoupleMinimum\u00a3\u00a013,400\u00a3\u00a021,500Moderate\u00a3\u00a031,700\u00a3\u00a043,900Comfortable\u00a3\u00a043,900\u00a3\u00a060,600<\/p>\n
These figures also assume that you have no mortgage or rental costs in retirement. Many of us will.<\/p>\n
How could a Stocks and Shares ISA help me?<\/p>\n
As the table shows, you need \u00a331,700 a year to enjoy a moderate lifestyle. After deducting the State Pension, it leaves you \u00a319,153 to make up under your own steam. Which works out as \u00a31,596 a month. In my view, a brilliant way of generating that is to invest in a Stocks and Shares ISA<\/a>.\u00a0That way, all your income and growth is entirely tax-free.<\/p>\n Please note that tax treatment depends on the individual circumstances of each client and may be subject to change in future. The content in this article is provided for information purposes only. It is not intended to be, neither does it constitute, any form of tax advice. Readers are responsible for carrying out their own due diligence and for obtaining professional advice before making any investment decisions.<\/p>\n A popular way to build ISA wealth is to invest in a spread of mostly FTSE 100 stocks offering both share price growth and dividend income. It\u2019s what I do myself. So how much do you need to generate \u00a319,153 a year? The answer depends on the yield:<\/p>\n With a 4% yield, you\u2019d need \u00a3478,825 invested.<\/p>\n At 5%, the required total falls to \u00a3383,060.<\/p>\n And at 6%, the figure drops to \u00a3319,217.<\/p>\n These may look daunting sums, but over a working lifetime, they\u2019re achievable. Let\u2019s say an investor put away \u00a3250 a month, for 30 years. We\u2019ll also assume their money grew at an average of 9.64% a year. That\u2019s the return on the average Stocks and Shares ISA over the last decade, according to Unbiased. Under those assumptions, they\u2019d have \u00a3505,495, easily beating the targets above. Of course investments returns aren\u2019t guaranteed. You might get more, you might get less.<\/p>\n Could Aviva fund my retirement?<\/p>\n One FTSE 100 stock worth considering is insurer and asset manager Aviva (LSE: AV<\/a>). It shares have done well lately, climbing 53% in the last five years. They\u2019ve also handed investors some really generous dividends<\/a>. Today, the trailing yield is 6.1%. That\u2019s on top of all the growth.<\/p>\n Chief executive Amanda Blanc has transformed the business since 2020. She\u2019s streamlined operations, cut costs, widened margins and boosted cash generation.<\/p>\n All shares can be volatile, including this one. Blanc now faces a tough challenge integrating the recent \u00a33.7bn flagship purchase of insurer Direct Line. Aviva generates much of its revenue in the UK, and our economy is struggling. Also, the shares are looking a bit expensive after their strong run.<\/p>\n I think it\u2019s well worth considering with a long-term view though, and would suggest drip-feeding money in. I\u2019d buy it myself, but I already have a large position in Aviva\u2019s big FTSE 100 rival Legal & General Group. That\u2019s worth checking out too.<\/p>\n Should you invest \u00a35,000 in Aviva Plc right now?<\/p>\n When investing expert Mark Rogers and his team have a stock tip, it can pay to listen. After all, the flagship Twelfth Magpie Share Advisor newsletter he has run for nearly a decade has provided thousands of paying members with top stock recommendations from the UK and US markets.<\/p>\n And right now, Mark thinks there are 6 standout stocks that investors should consider buying. Want to see if Aviva Plc made the list?<\/p>\n Harvey Jones owns shares in Legal & General Group.<\/p>\n","protected":false},"excerpt":{"rendered":"Image source: Getty Images Everybody should aim to build up the maximum State Pension, but they shouldn\u2019t stop…\n","protected":false},"author":2,"featured_media":714868,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[39],"tags":[28,147,530],"class_list":["post-714867","post","type-post","status-publish","format-standard","has-post-thumbnail","category-personal-finance","tag-business","tag-personal-finance","tag-personalfinance"],"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/posts\/714867","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/comments?post=714867"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/posts\/714867\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/media\/714868"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/media?parent=714867"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/categories?post=714867"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/tags?post=714867"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}