Inflation a scourge for retirees? Ottawa’s silver lining(s)
Inflation and taxes—both can affect retirement income. Thankfully CPP, OAS and GIS have inflation indexing. Here’s how it may...
retirement planning
The best way to save for retirement in your 20s
Financial experts often tell young people to start investing early to benefit from compound growth. But what if you...
Should you hold on to unused RRSP contributions?
It may not be a good idea to save up unused RRSP contributions in order to save on future...
What’s the average monthly retirement income in Canada?
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Should retirees pay off their mortgages with investments?
A bank advisor tells a just-retired Canadian that using investments to pay off a mortgage is not a good...
Infinite banking in Canada: Should you borrow from your life insurance policy?
The “Infinite Banking Concept” is gaining popularity with Canadian retirees—but it’s not right for everyone. Here’s how this leverage...
RRIF withdrawals: What should seniors with million-dollar portfolios do?
Seniors with large retirement accounts face a big tax-deferred liability. Which tax and estate planning strategies might help?
OAS entitlement and deferral rules for immigrants to Canada
A person who moves to Canada in middle age won’t be entitled to the maximum Old Age Security pension....
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How to plan for retirement for Canadians: A review of Four Steps to a Worry-Free Retirement course
Just in time for Canadian Financial Literacy Month in November, Four Steps to a Worry-Free Retirement course by Kyle...