2% is awfully difficult to achieve without some radical lifestyle adjustments before and certainly after retirement. Nonetheless, it’s a good idea. Instead of

2% is awfully difficult to achieve without some radical lifestyle adjustments before and certainly after retirement. Nonetheless, it’s a good idea. Instead of cash, however, I would opt for paid part-time work if possible. A large cash reserve isn’t protected against inflation nor will it grow; the downsides are too big imho.