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Five Secrets to Happiness in Retirement
The average person spends about a quarter of their life in retirement so itís worth thinking about how to make those years enjoyable.

Here are five simple principles that can help you find happiness and avoid misery in what should be the best time of your life.

Retire slowly

These days, most people choose to work less for an extended period rather than retire. There are some real advantages with this approach. Firstly, you can gradually adjust to a lower income rather than going Ďcold turkeyí from full pay to a pension, and secondly, you are able to save more money for when you are no longer earning.

Donít be afraid to start spending

After a lifetime of saving, it can be hard to flick the reverse switch and start spending. Being over cautious with your money can detract from your ability to enjoy your retirement. Plan to use your retirement capital as well as the income you receive from the capital. If you donít spend it, your kids sure will!

Find enjoyment through friendships

The best indicator of happiness in retirement is not the size of your bank balance but the number of people who come to your birthday party! Being happy is not about money, it is about having friends.

Get sorted and simplify your affairs

Get your affairs in order (wills, trusts, powers of attorney) so you donít have to worry about paperwork at an age when it becomes confusing. Simplify your investments or get someone to look after them so you can be free from worry.

Look after your health

Being in good shape is one of the most important contributors to an enjoyable retirement. Exercise, diet, keeping active and having regular medical, dental and eye checks will help you live a longer, more enjoyable life.