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A5 Retirement and Pension Planner standing closed on a plain surface, cover banded across the lower third with the title reversed out, about five millimetres thick.

Plain Lab · planner

Retirement and Pension Planner

Twenty day-book pages ruled Date, Scheme or fund, Contribution, Balance, twenty-four finance pages, three goal pages and twenty for notes.

Specification

Trim
148 × 210 mm · 5.827 × 8.268 in
Pages
80
Leaves
40
Sheets
20
Signatures
4 × 20pp
Spine
4.58 mm
Paper
white
Ruling
lined
Ruling pitch
7.14 mm · 20.25 pt · 9/32 in
Rows per page
24

A pension statement arrives once a year and gets filed somewhere it will not be found again. The day-book pages here give contributions a row of their own: date, scheme or fund, amount paid in, balance as reported. Twenty pages of it, so next year's statement has something to be checked against rather than trusted on its own.

Twenty-four finance pages carry the arithmetic that is actually yours to do: what you put in this year against last year, across however many schemes you are paying into. There is no projected balance printed anywhere in this book, no assumed rate of growth, and no fund named or recommended. Those figures belong with a qualified adviser, not with a notebook, and the page is left blank rather than guessed at.

Three goal pages hold what retirement is actually meant to fund, in your own words rather than a percentage. Twenty lined pages at 7.14 mm pitch follow for whatever the columns and the goals leave out: a statement that arrived wrong, a scheme that changed its terms, a question to raise at next year's review. The book totals nothing on your behalf.

What is inside

Daybook
20pp
Contributions given a row of their own: date, scheme, amount, balance.
Finance
24pp
This year against last year, across however many schemes, arithmetic only.
Goals
3pp
What retirement is meant to fund, in your own words.
Notes
20pp
Whatever a column or a goal does not cover.

The film

Page by page

A vertical film from our own bench — this page contacts nobody's server to play it, and downloads nothing until you press play.

A vertical film, 52 seconds: the cover, the ruling page, then 5 reference pages. Synthesised ambient bed, no dialogue — captions in three languages.

Real pages

Five pages from the Retirement and Pension Planner laid out as cards: a ruled day-book page, a finance page, a goals page, a lined notes page, and a reference page.
Five pages taken from the print file: a day-book page ruled Date, Scheme, Contribution, Balance, a finance page, a goals page, a lined notes page, and a reference page. No page projects a future balance. Every column here holds a figure that already happened.
Specification card listing the Retirement and Pension Planner contents: 20 day-book pages, 24 finance pages, 3 goal pages, 20 notes pages, 80 pages total, A5 trim.
Twenty day-book pages ruled into four columns: Date, Scheme or fund, Contribution, Balance. Twenty-four finance pages for this year against last year. Three goal pages, in your own words rather than a percentage. Twenty lined pages at 7.14 mm pitch, twenty-four lines to the page. Eighty pages total, A5, four sewn signatures of twenty.

Made at the Hibrkraft bindery, Bogor · about the maker

Books that sit alongside it

Questions

What are the four day-book columns?

Date, Scheme or fund, Contribution, Balance.

How big is it?

A5, 148 x 210 mm, 80 pages, 4.58 mm across the spine.

Does it tell me how much I will have at retirement?

No. It gives no financial advice, assumes no rate of return, and names no product. It is a place to record what you put in and check it against your own target.

Is it dated?

No. Start it the day you next check a statement.

What ruling are the notes pages?

Lined, 7.14 mm pitch (9/32 inch), twenty-four lines to the page.

At what time soever thou wilt, it is in thy power to retire into thyself, and to be at rest, and free from all businesses.
Marcus Aurelius, Meditations, c. 175

Track Record

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The Hibrkraft team outside the workshop in Bogor
The Hibrkraft team, Bogor
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