vestage - reply
As Skygirl says, a good financial advisor is very helpful, the difficult part is to distinguish between good and bad, they sound the same.
You're probably correct that you will have to supplement your pension to maintain your Lifestyle, it is commonly believed that you should plan to have an income (when retired) of between 60% - 80% of your pre-retirement amount.
As I said in my previous post, I consider myself fairly diversified, i am also fairly handy, I own some rental properties which i maintain and administrate myself, they have a ROI of approx. 20% net.
i believe the most important thing you can do to enjoy retirement is to guard your health, stay active and mentally engaged, exersize etc. this keeps the healthcare bills down and allows you to protect your resources.
Hope that helps, now if I can only follow my own advice!