top of page

Saving for Retirement: How To…

It’s the beginning of September, time to begin your private retirement plan.

Retirement is expensive. Rising cost of living is affecting us all today. What will it be when we retire? Depending on where you live and your lifestyle, you may easily need up to $1 million. This is not to mention the rising average life expectancy and cost of healthcare.

Research has shown that in America, people are not saving enough, on top of that the U.S. public pension funds are underfunded and it looks like they will not be able to pay the promised pension benefits, at least without having to increase taxes in order to fund it. Pension storm is coming to Europe, according to Forbes.

In 2017, the UK had a $4 trillion retirement savings shortfall, which is projected to rise to $33 trillion by 2050.

A 2015 report by OECD found that in developed countries, 63% of the income can be matched during retirement, but in the UK only 38%. This means that UK employees either have to build their own personal savings plan or significantly cut their standard of living by over 70% when they retire. Let’s say you are earning 10,000 USD/GBP/EUR you would have to live on 3,800 GBP/EUR/USD per month when you retire.

France, Belgium, Germany, Austria and Spain also face public pension deficit and a huge problem ahead. The number of retirees is growing as opposed to the working population and their contribution to the system. This is mainly due to larger proportion of retirees and a decline in birth rate.

Someone has to pay the retirement bill – if there are less people working as opposed to retired, this will result in a huge problem for the next generation who retires. Look at it this way, what you pay towards retirement today goes to pay out the retired people today. Your retirement contribution to the government does not go to a special account with your name on it.

"Europe’s population of pensioners, already the largest in the world, continues to grow. Looking at Europeans 65 or older who aren’t working, there are 42 for every 100 workers, and this will rise to 65 per 100 by 2060, the European Union’s data agency says. By comparison, the U.S. has 24 nonworking people 65 or over per 100 workers, says the Bureau of Labor Statistics, which doesn’t have a projection for 2060.” WSJ

Worst of all, governments have made people believe that they are entitled to pension payouts, but is that really true? If your government can’t pay out, then changes will be made whether you like it or not, and there is nothing you can do about it.

Then, there are company pension schemes but as we have seen in recent years with huge organizations going bankrupt, appropriating pension funds for other expenses or simply mismanaging the pension investment funds.

Therefore, backing yourself up with your own self-invested savings plan is now more important than ever. Make sure you set aside enough money, invest it wisely and make sure you will have a stable fixed return.

Saving and investing in tax-free plans is the best way to protect your savings until you need them.

At Crewinvest, we offer the best savings and retirement solutions on the market to professionals such as pilots, consultants, independent contractors and others.

Regular Contribution Plan into the S&P 500 Index:

S&P 500 Index is the most diversified stock market portfolio one can possibly have. It is comprised on the biggest 500 corporations operating worldwide and paying dividends on a regular basis (click here to read more about the S&P 500 and how it works).

The existing plan that we offer is from a highly reputable financial firm (contact us for more information) with offices in Miami, Kuala Lumpur, Singapore and the Cayman Islands. The plan is a capital protected, which means that whatever happens to the market, your total contributions will be returned to you at the end of the 10, 15 or 20-year term.

S&P 500 Index brings on average 8.5% return per year. Below you can see an example of current ongoing plans, their contribution to date and the value.

For more information please contact us at or click here.

6 and 12-month Fixed Income Short-Term Savings Plan

With today’s fast pace life and uncertainties surrounding it, a lot of our clients prefer very short-term plans that span between 6 and 12 months. In addition to that, these plans pay a regular income directly to their bank accounts allowing them to use the funds as every day expenses, kids’ education or retirement income.

These plans are renewable or you can redeem your investment should it be needed urgently. As opposed to long term regular contribution plans, these provide regular income and quick access to your capital.

Currently, we work with two different companies that offer 6 and 12-month fixed income plans in order to finance their trading operations. These trades are not affected by any stock or bond market swings and access to short-term financing is required in order to satisfy their clients’ demand. Please find below information about the plans. For more information please contact us at or click here.


The firewood trading company supplies high quality wood products to their long-term clients in Finland (they are the biggest supplier), Denmark, Sweden, Spain and Israel.

Their clients include Shell, Ingarö Fed, Norrort Ved, ICA,, JSP Trading and their network of over 100 end customers.

The company offers a 6-month and 12-month term paying a fixed interest of:

  • 5% in total net interest for the 6 month term, paid directly to your bank account every month. Minimum investment: 200,000 EUR/USD/GBP

  • 9% in total net interest for the 12-month term, paid directly to your bank account every quarter. Minimum investment: 25,000 EUR/USD/GBP


The company is a Swiss group that has provided investment solutions to clients from all over the world since 1985. They offer diversified technology, engineering and investment solutions to clients, investors and partners.

The company has established a precious metal trading operation allowing investors to participate and earn a regular fixed interest income. The plan is backed by collateral, meaning that your capital is secured against physical commodities stored in a secure location in Lichtenstein, with a valuation of over 300m EUR.

The company offers a 6-month and 12-month term paying a fixed interest of:

  • 6% in total net interest for the 6 month term, paid directly to your bank account every two months. Minimum investment: 250,000 EUR/USD/GBP

  • 12% in total net interest for the 12-month term, paid directly to your bank account every quarter. Minimum investment: 50,000 EUR/USD/GBP

To receive information about the plans, please contact us at or click here and let us know whether you are interested in the fixed income or regular contribution plan.

Crewinvest is an introducer and have no access to your money. All transactions are made between you and the companies directly.

Featured Posts
bottom of page