Analysis:

One of the myths is whether it can be put into practice.

The importance of retirement planning, but advice often becomes a horse's ear. Planning without action ... is also empty.

The second misunderstanding is that "retirement financial management must be absolutely conservative."

Approaching retirement age, we are always facing the crisis of accumulating wealth, so we should be conservative in financial management and don't make high-risk investments like when we were young. ...

The third misunderstanding is "Can pensions be earmarked?"

Parents' pension planning cannot be repeated, but children's education funds can be partly borne by themselves. Don't misappropriate your own capital for your children's education, marriage and career, otherwise it will be difficult to be a "hand card" when you are old. Retirement belongs to retirement ... education funds belong to education funds ... don't misappropriate them. ...