Smara Conde, HR Director of Aegon Spain

Woman in the mirror: reflections on retirement readiness

Following the publication of Aegon's report on women's retirement readiness, Smara Conde, HR Director of Aegon Spain, advises her younger self and looks ahead to her preferred financial future.

Can you describe your financial state of mind at this moment?

In this picture, I see myself as a passionate and happy woman. I'm a mother of three (two of them are teenagers!). At this point in my life, I feel things are stable: I'm living in the present, but of course I'm thinking about and saving for my children's future. Regarding retirement, I haven't thought about it much as I love my job. At the same time, I know it is getting closer as I am in the middle of my career... Looking forward, I'd like a future in which I can afford the things I love together with my loved ones, with no worries regarding economic stability.

Smara Conde, HR Director Aegon Spain
I'm living in the present, but of course I'm thinking about and saving for my children's future.

What financial advice would you give to your younger self?

From where I currently stand, I would advise my younger self to develop a better understanding of my financial status and continue learning about personal finances even after leaving school. Secondly, I'd emphasize the importance of saving habitually.

Looking forward, what do you what to achieve and how does that fit into your retirement planning?

Looking ahead, I picture myself being financially secure, not worrying about money for myself or for my loved ones. I want to be able to give my children the opportunity to meet different people, travel and experience the differences in cultures around the world and for them to have a well-rounded education.

Also see

Did you know?

  • The Aegon Retirement Readiness Index (ARRI) for Spanish women has increased from a 4.5 in 2014 to a 5.2 in 2019.
  • In Spain, 30% of working women save habitually. Start saving early and save habitually is one of Aegon's five fundamentals for retirement readiness.

Retirement Readiness Report