There is a question most of us are very good at avoiding.
How much do you want to come in every year when you retire?
Not saved. Not how much sitting in your account. Not how much will you receive as a pension.
How much do you actually want coming in every year when you no longer have to work for a salary or when the business is not booming as much?
It is a different question, and for many people, it is the beginning of a much better retirement conversation.
Because Retirement Is Not Really About Stopping Work
For most people, retirement is imagined as a finish line.
You work for decades, save as much as you can, reach a certain age and eventually stop working.
But what happens the month after you stop?
Your lifestyle doesn’t necessarily retire either.
What changes is where the money now comes from.
This is why planning for retirement should go beyond accumulating a lump sum. It should also involve thinking about income – the money that continues to come in even when your active working years are behind you.
And that conversation needs to happen long before retirement arrives.
Start With Your Number
Imagine you are 45 today.
You are earning well. Your children are growing up. You have responsibilities, investments and perhaps a property or two.
Retirement might still feel far away.
But ask yourself:
“If I stopped working at 55, how much would I want coming in every year?”
Maybe your answer is ₦20 million.
Maybe it is ₦50 million.
Maybe you want ₦100 million a year to maintain the lifestyle you have worked hard to build.
There is no universal retirement number.
Your number depends on your lifestyle, your responsibilities and the kind of future you want to create.
The important thing is knowing what it is.
Because once you have the number, you can start working backwards.
One of our top investors now has an annual rental income of 74 million from units that he has bought. He invested more than half of his pension funds, and now every year, he makes 74 million, and that is just one of our top investors. This could also be you, if you choose to start now.
What If Your Property Could Be Part of That Plan?
This is where property becomes more than something you buy and hold.
A well-managed rental property can serve two purposes at the same time.
You own an asset.
And that asset can generate rental income.
Instead of waiting until retirement to figure out where your income will come from, you can begin building the assets that will produce that income while you are still working.
That is the thinking behind the Flinx Retirement Income Plan.
The idea is straightforward:
You own the property. Flinx manages it. You collect the rental income.
Rather than approaching property simply as another purchase, the plan looks at it through the lens of the income you want to create for your future.
Work Backwards From the Life You Want
Suppose your retirement number is ₦100 million a year.
The question then becomes:
What would it take to build ₦100 million in annual rental income?
Using the income ranges outlined for the Flinx Retirement Income Plan, a studio can generate approximately ₦3 million to ₦5 million in annual owner rent, while a one-bedroom can generate approximately ₦5 million to ₦8 million.
At that point, the conversation becomes much more practical.
You are no longer simply asking:
“Should I buy another apartment?”
You are asking:
“How many income-producing units would I need to get closer to my retirement number?”
That is a very different way to think about property.
You Don’t Have to Build It All at Once
One of the biggest mistakes people make with long-term financial planning is assuming they have to solve everything immediately.
You don’t.
Retirement planning is exactly that: planning.
You may start with one unit. Then another. Then another.
Over time, the goal is to build a portfolio that can contribute meaningfully to the income you want in your later years.
The Flinx Retirement Income Plan is built around this long-term approach.
It is not about chasing the biggest return you can find today.
It is about building an income stream that you can plan around tomorrow. steady. consistent.
The Question Becomes More Important as You Get Older
At 30, retirement can feel like someone else’s problem.
At 40, it starts becoming real.
At 50, the question becomes much harder to ignore.
And the closer you get, the less useful it becomes to simply say, “I have investments.”
The better question is:
“What will those investments actually give me every year?”
Because owning assets and having income are not always the same thing.
A piece of land may appreciate, but it does not necessarily put money in your account every month.
A property that is properly managed and occupied can do something different.
It can become part of the income plan.
Your Retirement Number Is Worth Knowing
You may not know your number yet.
That’s okay.
But start thinking about it.
How much would you need every year to live comfortably?
What would you want your family to have access to?
What happens if your salary disappears?
What happens if your business slows down?
And most importantly:
What do you want still coming in when you stop working?
Start with the question:
How much do you want to come in every year when you retire?
Then we work backwards.
That’s the plan.
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