Living in Retirement Peter Guay Investing lessons from the Canadian Pension Plan Investment Board annual report PWL Capital 2021-06-11T09:16:34 June 11, 2021 Globe and Mail columnist Andrew Coyne wrote a pretty tough piece recently on the lack-lustre performance and high expenses of the Canada Pension Plan Investment Board.
Living in Retirement Graham Westmacott Optimising Retirement Income 2021-04-30T11:40:59 April 30, 2021 Prior generations of retirees have been blessed with a combination of defined benefit pension plans and strong investment returns from their personal retirement assets.
Living in Retirement Rational Reminder Podcast Episode 137: David Blanchett: Researching Retirement 2021-02-18T09:00:27 February 18, 2021 David M. Blanchett, PhD, CFA, CFP® is head of retirement research for Morningstar Investment Management LLC.
Living in Retirement Rational Reminder Podcast Episode 135: William Bengen: The 5% Rule for Retirement Spending 2021-02-4T10:00:14 February 4, 2021 At a time when the financial community provided inconsistent retirement advice, the 4% withdrawal rate was a data-backed strategy that revolutionized retirement planning.
Living in Retirement Graham Westmacott The impact of low interest rates on retirement. 2020-10-29T08:30:24 October 29, 2020 Joe is in a quandary. He had figured that he would buy a new truck in 3 years. He hadn’t been paying attention to the news much and assumed his $40,000 savings would grow by 3% annually so he estimated he would have approximately $44,000 to spend. In fact, given current interest rates, his interest rate on his savings is close to zero.
Living in Retirement Peter Guay Our pension managers are among the best in the world 2020-09-18T08:30:32 September 18, 2020 Polls consistently indicate Canadians feel a high level of pride in their country. This one, for example, found 90% of respondents are proud to be Canadian compared to 74% of Americans who expressed the same sentiment toward their country.
Personal Wealth Graham Westmacott Are My Savings Goals in Ruins? 2020-03-31T11:05:56 March 31, 2020 Stocks have fallen approximately 25% since the start of the year. Does this mean my retirement plans and other financial goals are in ruins?
Living in Retirement Peter Guay How to avoid the OAS clawback 2020-03-6T15:09:49 March 6, 2020 We’ve just finished the RRSP season when many Canadians make a last-minute contribution to beat the deadline for a deduction on their 2019 income taxes.
Living in Retirement Peter Guay Will Ottawa’s annuity plan give retirees the peace of mind they need? 2020-02-21T10:18:37 February 21, 2020 With low interest rates, fewer defined benefit pension plans and longer life expectancies, more people than ever are concerned about outliving their savings in retirement. In fact, surveys indicate running out of money is the biggest fear of seniors, with some studies finding that many people consider it a fate worse than death itself.
Living in Retirement Graham Westmacott RRSPs, RRIFs, death and taxes. 2019-08-28T11:21:00 August 28, 2019 Does accelerating withdrawals from registered retirement plans reduce taxes? Prompted by the recent death of a friend, a client asked what they could to avoid a large tax bill from their registered savings when they died.
Living in Retirement Susan Daley Old Age Security (OAS) Explained 2019-08-9T10:00:20 August 9, 2019 Old Age Security, commonly referred to as OAS, provided a base level of retirement income to over 6 million Canadians in January 2019. I outline how OAS works and how to determine the amount you will be eligible for.