🌱 Are you counting on a state pension?

Norway has one of the world’s largest sovereign wealth funds, preserving and growing the country’s wealth for current and future generations. That’s a reassuring resource to have. But not everywhere is Norway. About the fund

Some people count on public pension benefits. Others supplement them with workplace or private pensions, or insurance-based retirement plans. Some build their own retirement assets: property, securities, gold, crypto. Many combine several approaches.

That personal retirement pot has no single address. Part of it sits with a broker, part in a bank, part in a crypto wallet. And part might have tenants.

There’s no universal point marked “enough,” either. You might want to maintain your lifestyle, travel more, or support your family. More capital can mean more options.

But “How much have I put in?” and “What are my assets worth now?” are different questions. You keep adding savings while share prices and exchange rates move. Bonds and digital assets representing debt can default, leaving you to recognise a loss instead of collecting the income you expected. Even gold, widely seen as a safe-haven asset, has its downturns. And then there’s the volatility of crypto.

Your total wealth can change even when you haven’t bought or sold anything. That’s why it matters to track what happens to the assets themselves, as well as what you add.

And value isn’t the same as spending power. A property might be worth a lot, but handing it over to pay for a hotel on holiday could prove awkward. Nor is every pizza place happy to take bitcoin 🍕

At JAB47, we’re working to bring money and different assets into a clear overall picture. You choose how to build your life—both now and in the future. We help you keep track of what you’re building it with.

In your retirement plans, is a state pension the foundation, a top-up, or a welcome surprise? 👀