If your clients are self-employed, teach them how to save for retirement

Thinking about retirement is sometimes difficult, and even more so when it comes to saving. In the case of Spain, it is a pay-as-you-go system, i.e., public pensions are paid with the contributions of those who work. In addition, investing at an earlier age allows us to assume a higher risk, which in the long run tends to offer higher returns, "says Ramón Ramos, head of life…