There is currently a pension’s crisis in many parts of the world, with those close to retirement facing the prospect of having to stay at work or retire with a less than adequate pension income. The fact is that pension deficits are growing and surpluses are shrinking.

The other problem is that people just aren’t saving enough for retirement. 63% of Americans openly admit they don’t save enough and in the UK estimates show that 46% of the nation’s workforce is not even contributing to a pension plan. Even if you were saving for retirement, pensions and savings require a great deal of funding to generate the kind of lifestyle you might have become accustomed to.
Imagine you’re a 30 year old US citizen who’s earning $30,000 a year. Let’s assume you want to retire aged 65 earning $30,000 a year. If we presume you’ll live for 30 years post retirement, you’d need to set aside almost $1.19 million by the age of 65. To do that you’d need to make an annual pension contribution of $20,000 per year. Is this possible on a gross annual income of $30,000? Almost definitely not!

What is the alternative to a pension? I believe that property is the best investment for many people’s financial future. Firstly it’s one of the best ways to create assets, which over time can help you to create a passive form of income that you can live off in your retirement. In fact building property assets is the most powerful way of creating a wealthy retirement.

Secondly property gives you more control over how your money grows. You can decide what to do with your equity and you have far more choices as to how you can personally affect the value of your assets.

Property also gives you more buying power. You can use your capital to buy assets worth much more than the original capital investment with the help of a mortgage. You can then use any equity built up in your property to buy more assets and create more wealth.

Finally pensions only provide capital growth, whereas properties also give you the increase in rental value over time, giving you increasing amounts of passive income.

Property is definitely the “pension plan” of choice for me and one of the reasons I left conventional financial advising to help anyone build a secure financial future and a new type of pension’s fund that can truly provide a wonderful retirement.

Best Wishes

Clayton J.Moore

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Author, Financial Coach and Entrepreneur Clayton Moore has written ‘Your Money Puzzle’ and publishes the ‘Think Tomorrow Today' weekly ezine to help people gain control over their future financial security. If you're ready to jump-start your finances, make more money, and have more fun in your creating the life you desire, get your FREE tips now at Also visit my daily blog at for some great content.

Author's Bio: 

Hello. I’m really grateful for you taking the time to look at my article and how I could help you plan a brighter financial future.

To introduce myself to you I thought it would be best to tell you a little bit about where I started out and why I do what I do today.

I started working for a major UK bank in 1995 and soon discovered that I absolutely loved helping people to make more of their money. This passion led me to set a goal of becoming a Financial Planner within the bank – something that I achieved within a few months. For a few years I loved my job and loved helping people realize that they could do more with their money and create more financially secure futures.

However, after a number of years it dawned on me that the choices I had as far as advising people to create more financial security were very limited within my role as financial planner. I could also see that most of the traditional financial products were quite frankly not working for most people in the way that people thought they would. I realized that the financial products I had been trained to sell by the bank were not creating financial security for people.

I also realized that my very own financial security was at risk long term. Even though I was a member of my company’s pension scheme I had realized that the whole notion of having to work for this company for 40 years in order to receive only two thirds of my basic salary (I was earning as much again in bonuses but these were not eligible towards my pension) for the rest of my life in retirement was just absurd. This just didn’t make sense as a long term financial plan for my life.

Worse than my own financial security being at risk I could also see that there were many people who didn’t even have the so called security of a company pension plan and that for these people they needed to take responsibility for their own financial future. However, most people I came across were either not saving anything at all for their future or, if they were saving, were not putting aside anything like the amount they required to build up even a basic financial security later in life.

My passion for helping people understand the issues surrounding financial security was lit and I decided that I was going to leave my restricted job as a financial planner and start my own business to help as many people as I possibly could create more financial security in their lives.

I also realized that it was now up to me to build up my own resources in order to become financially secure when I retire and so I decided that rather than hand my hard earned money over to financial institutions to save for my retirement I was going to invest myself in assets that would grow long term and create the financial security I desired.

So, my life had turned and I was now a business owner, an investor and financial coach rather than an employee and so-called financial planner.

I have created ‘Your Money Puzzle’ and ‘Mastering Financial Success’, as a way to share my understanding of personal finance and enrich the lives of millions of people by guiding them to create their ideal lives.

I hope I can be of service to you and feel free to contact me at anytime if you need assistance. You can reach me at

Good luck and best wishes

Clayton J. Moore