The chart of the week looks at six areas that meaningfully impact your retirement, categorizing them based on the level of control you possess. While market returns are beyond your influence, you have complete control over your portfolio’s asset allocation, which ultimately affects those returns. Policy and taxation fall outside your control, but understanding existing and prospective proposals empowers you to plan accordingly. Longevity is partially within your control, with healthy lifestyle choices playing a crucial role in enhancing your quality of life. Lastly, a fundamental yet impactful decision highlighted in this chart is the simple choice between your spending and saving habits—a topic frequently discussed with clients.