What the retirement pillar measures
The retirement pillar measures your savings rate and adequacy, whether you are putting enough aside, early enough, to fund the long life your healthspan makes possible.
Why it matters for longevity
Your healthspan and your wealthspan have to reach the same finish line. A long, healthy life needs the means to support it. This pillar is where the two spans meet, and where starting early matters most, because time is the most powerful force in building a lasting fund.
How to strengthen the retirement pillar
This is general information to support your own decisions, not financial advice.
- Start early. Time in the market and compounding do more heavy lifting than any single contribution.
- Save consistently. Regular contributions, even modest ones, add up over decades.
- Increase as you can. Nudging your savings rate up over time closes gaps without pain.
- Think in terms of longevity. Plan for a long life, not an average one.
How ULTM8 scores it
Your free longevity check scores the retirement pillar alongside the other seven, so you can see where it sits in your Octagon and what to prioritise.