What is your biggest concern when it comes to retirement planning?

Unexpected early retirement – own illness, injury or disability, divorce

Employment and work changes leading up to retirement – retrenchment or no work available

Lifestyle changes – working out what I’ll do with my time if I stop working

Outliving my savings – I'm concerned about having enough funds for my entire retirement

Market volatility – I'm worried about how economic changes could impact my investments

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What is your biggest concern when it comes to retirement planning?