Retirement

RRIF and LIF withdrawal rates: Everything you need to know

Most registered retirement savings plans are eventually converted to registered retirement income funds. Here’s what to know about RRIF...

Debt

Should I use retirement savings to pay off credit card debt?

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Credit Canada

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Should we draw down my spouse’s RRIF faster?

The benefits of depleting savings to avoid estate taxes depends on many variables. But if you live a decade...

Columns

How to allocate a RRIF for secure income in retirement

Should you hold equities? Fixed income? An annuity? Or all three? Financial advisors debate the options in today’s “tariffied”...

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Is real estate the best investment for a Canadian retiree?

I had three meetings this past week with Canadian clients where I challenged their real estate strategies. Here’s why.

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How the Liberals’ re-election impacts RRIFs, taxes and more

The party’s platform proposals may impact RRIF minimum withdrawals, income tax and more. Here’s how Canadians can plan for...

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Should I draw down my RRIF to avoid estate taxes?

Yes, your estate will pay a high rate of tax on your RRIF when you die. But it usually...

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Can you make RRSP contributions after age 71?

Here’s why you might see an RRSP deduction limit on your notice of assessment, even when you’ve already converted...

Retired Money

How to make sure you have enough money to fund your RRIF withdrawals

Once you start RRIFing, how do you make sure you have enough cash, and should you dial down risk?