Dust off your retirement annuities, scrape away the wrapper and take a long look at the underlying investments, says Imara Asset Management.

If your aim is to save, be wary of financial instruments that may cost you more than you’ve bargained for.

The "quick fix" that is retail therapy is a high that needs to be repeated, which undermines saving.

If home renovation is part of your pre-retirement planning, proceed with caution.