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<p>My goal is to establish a significant secondary income for my future retirement, which is why I invest most of my leftover monthly income into UK shares, trusts, and funds.</p>
<p>Like many, I maintain some money in a savings account for a guaranteed return and as a cushion for unexpected expenses. However, placing too much in a low-yield cash savings could be quite risky for someone like me who aims for a comfortable retirement.</p>
<p>Here’s why that is the case.</p>
<h2 class="wp-block-heading" id="h-cash-returns">Cash Returns</h2>
<p>Currently, the highest-paying easy-access Cash ISA offers a 5.1% interest rate, which is decent when compared to the dismal rates savers faced during the 2010s.</p>
<p>However, keeping the majority of one’s cash in this account may be a significant misstep, depending on investment objectives.</p>
<p>According to the personal finance site Finder, the average British saver puts aside about £105.43 each month, totaling approximately £17,773 in savings.</p>
<p>If someone placed this amount into a 5.1%-yielding Cash ISA, after 30 years, they would have around £171,199 accumulated, not accounting for any fees. With a 4% annual withdrawal rate, this would yield a passive income of only <span style="text-decoration: underline">£6,848</span>, excluding the State Pension.</p>
<p>Considering the rising costs of living and social care, this income is unlikely to be sufficient for a comfortable retirement, and it may be challenging to maintain a 5.1% savings rate over the next 30 years, depending on future interest rates.</p>
<h2 class="wp-block-heading" id="h-a-17k-passive-income">Achieving a Passive Income Exceeding £17k</h2>
<p>While past performance doesn’t guarantee future results, the exceptional long-term returns from stock market investment since the mid-20th century indicate it may be a more advantageous strategy for wealth building.</p>
<p>Assuming an investor contributed £20 monthly to a 5.1% Cash ISA and invested the remaining £85.43 in a varied portfolio of stocks, funds, and trusts through a Stocks and Shares ISA, they would be in a better position.</p>
<p>If we consider a reasonable average annual return of 9%, and the initial £17,773 in savings is also invested in the stock market, the investor could potentially accumulate £435,162 after 30 years.</p>
<p>A 4% withdrawal in this scenario would then produce a passive income of <span style="text-decoration: underline">£17,406</span>, excluding brokerage fees.</p>
<h2 class="wp-block-heading" id="h-a-top-trust">Consider a Top Trust</h2>
<p>Determining the amount required for a comfortable retirement varies greatly from person to person, making it subjective, while predicting future living costs remains challenging.</p>
<p>However, prioritizing investments over traditional savings can significantly enhance one’s potential for building a solid retirement fund. A good option for achieving this is to consider investing in a fund.</p>
<p>An example would be the<strong> <strong><strong>Xtrackers MSCI World Momentum ETF</strong></strong></strong> (LSE:XDEM), which I have included in my portfolio. Although the value can fluctuate based on economic conditions, this fund’s holdings in approximately 350 companies help diversify risk while aiming for substantial returns.</p>
<p>Nearly a quarter of the fund is allocated to high-growth tech companies such as <strong>Nvidia</strong> and <strong>Apple</strong>, and it also provides significant exposure to telecommunications, finance, consumer goods, and industrial sectors, thereby reducing dependence on any single area.</p>
<p>Since its inception in autumn 2014, this exchange-traded fund (ETF) has delivered an average annual return of 11.52%, surpassing the previously mentioned 9% average. If the fund continues its performance, investors could see greater returns over time.</p>
</div>I’ve kept the essential points while rephrasing the text for clarity and variety.
