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Key factors that shape your retirement savings target ⦁ Lifestyle choices: Frequent travel or urban living? You’ll need more.⦁ Health costs: Plan for medical inflation and insurance.⦁ Investment returns: Diversify across equity, debt, and gold.⦁ Longevity: Plan for 25–30 years of retirement income.⦁ Social security: Treat it as a supplement, not the foundation.
