Retirement & RRSP | Money | Costs | Planning

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Expert advice on retirement
Tips and advice for planning a comfortable reitrement.

Expert Advice

A fresh approach to new retirement realities
Does your picture of retirement seem less clear than before? Take charge with a fresh approach, and an easy spring-time review of your plans and goals.

Tips on RRSP

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When does it make sense to pay down debt instead?
No one likes debt - but Canadians are carrying a lot of it. That's one reason some experts say no one should contribute to an RRSP until they have...
When does it make sense to contribute to my RRSP?
If you plan to invest your RRSP savings in the stock market for a longer term, you have history on your side. Over the past 20 years, the S&P/TSX...
Should I pay down debt or contribute to my Registered Retirement Savings Plan (RRSP)?
As RRSP season approaches, you'll see all kinds of ads about the money you can make investing. Not to mention the tax benefits. But if you have a lot...
How do I take money out of my RRSP?
You can withdraw money from your RRSP before you retire. Here's how.

Advice for Retirement

Do I invest my pension savings for guaranteed income, safety, or growth?

Do I invest my pension savings for guaranteed income, safety, or growth?
Use this chart to compare annuities with fixed income investments and higher growth investments. You can see how they may help you achieve guaranteed...

How will sickness change my life after I retire?

How will sickness change my life after I retire?
As we age, we face a bevy of health challenges. Here are some things to consider when it comes to sickness after retirement.

How can moving help my money go further?

How can moving help my money go further?
Housing may be your biggest cost after you retire, even if you have paid off your mortgage. One way to make your money go further is to move where it...

How can I save money or get more income after I retire?

How can I save money or get more income after I retire?
Canadians are now living longer than ever. You may live as a retired person for 20 or 30 years, or perhaps even longer. Are you worried about how...

Retirement Galleries & Quizzes

5 Painless ways to turbocharge your RRSP

It's not impossible to find a little cash to give your retirement a big boost, especially with these five painless ways to turbocharge your RRSP.

How much do you know about RRSPs?

So you got an RRSP through a bank a couple of years ago, but how much do you really know about what you can and can't do with your RRSP? Take our quiz.

What do you know about your RRSPs?

If you're looking for answers to your retirement questions, then take our quiz to test your knowledge. You might just retire sooner!

Retirement & RRSP Case Studies

A RRIF, an annuity, or a blend? Josef`s story

A RRIF, an annuity, or a blend? Josef's story
Josef has $500,000 in his Registered Retirement Savings Plan (RRSP). Almost age 69, he knows he has to makes some big decisions in the next couple of years. By age 71, he has to close his RRSP and move the money to a RRIF, or buy an annuity, or he can look at a combination of the two.

Making your pension savings last: Prem`s story

Making your pension savings last: Prem's story
At age 62, Prem is getting ready to retire in three years. He wants to create a plan for his life after retirement. Here is his story.

Retiring late: Jacqueline`s story

Retiring late: Jacqueline's story
Jacqueline doesn't want to retire until age 69. What will happen to her pension if she waits four extra years to retire?

Joining early pays: Mario and Maria`s story

Joining early pays: Mario and Maria's story
Mario started his pension plan right away. Maria, on the other hand, had to wait a year to join. What difference does that extra year make?

Planning your RRSP contributions: Gary, Kevin and Judith`s story

Planning your RRSP contributions: Gary, Kevin and Judith's story
Gary, Judith, and Kevin are each 40 years old and put $3,600 into their RRSPs each year. Their savings grow 6% a year. The one thing different is that they contribute the money at different times. So who saves more by age 65 when they retire?

How saving early in your RRSP helps: Amy and Amanda`s story

How saving early in your RRSP helps: Amy and Amanda's story
Amy and Amanda may be twins, but they are very different when it comes to saving for retirement. Here's what they did.

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