Retirement Centre

A long and successful retirement requires an early start and careful planning. Explore ideas and next steps to realize the future of your dreams.

Why starting early matters to your retirement plan

Saving for retirement is an increasing priority to many Canadians who, as a whole, are living longer today than all other previous generations. A longer life often means more years in retirement and the need for a retirement portfolio that will live as long as you do.

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Funding your golden years

Investing early and often is an important step in realizing your retirement dreams, but it is just as important to understand what those dreams are and what they might cost you financially.

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Retirement investment strategies by age

Saving and investing for retirement should ideally begin the moment you start working — if not before — and continue as you grow older. That said, your investment strategy is not static and will be different throughout every stage in life.

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Define your retirement

If getting started early is paramount to a successful retirement plan, so too is figuring out what you want to achieve in your golden years.

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RRSPs at the heart of your retirement plan

For all their tax-advantaged benefits, registered retirement savings plans do come with parameters. Knowing the details will help you make the most of your RRSP.

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Tax-Free Savings Accounts

Tax-Free Savings Accounts may be an alternative to RRSPs for some, but more of a complement to many others.

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How your investments are taxed

Investors should be aware that there are three main types of investment income, all of which are taxed in significantly varying ways.

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The future cost of your retirement

There have been episodes throughout history of very high inflation or hyperinflation, which aggressively erodes the value of money and assets, and also periods of very low inflation or deflation that may cause the price of goods and services to fall over time.

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Are you and your partner on the same financial page?

Take this quiz to see if you and your partner view retirement investing and finances the same way.

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Navigating Canada Pension Plan

Canada Pension Plan (CPP) is one of the key pillars of retirement planning for Canadians. As a result, it remains important to know the basic elements of the federal government program in order to optimize your overall retirement strategy.

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Collecting your Canada Pension Plan while working

While many Canadians begin collecting their Canada Pension Plan once they’ve retired, others may decide to collect it while they are still working. In this case, you may also qualify to receive the Post-Retirement Benefit (PRB) as retirement income.

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Old Age Security

The Old Age Security (OAS) program is the Government of Canada's largest pension program, providing monthly payments to Canadians age 65 and older who apply and meet certain requirements.

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A primer on workplace pensions

For a lot of Canadians, workplace pensions are the foundation of their retirement plans and often the catalyst that encourages them to become more engaged investors.  And yet many who have workplace retirement plans may not be fully aware of the specifics of their plan.

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Strategies to stick with in retirement

A successful retirement plan is one that takes a fresh look at income and expenditure requirements at all phases of life after work. Here's three strategies to keep you on track.

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Registered Retirement Income Funds vs. Annuities

It's important to know your options when it comes time to convert your registered retirement saving plan (RRSP).

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Ideas to help generate retirement income

The goal, of course, is to make your hard-earned savings last throughout your lifetime, but to do that, it's essential to have a plan in place for generating income through periodic withdrawals from existing retirement plans. With that in mind, here are a few suggestions to consider.

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Transitioning to an encore career

The normal age of retirement in Canada is 65 but that isn't stopping many Canadians from continuing to "punch in" well after hitting such a milestone.

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5 healthcare-related costs to consider

Canada may have one of the most comprehensive universal healthcare programs in the world, but that doesn't mean all of your medical expenses are free. An important but often overlooked element of retirement planning is the inclusion of all those healthcare costs not covered by government programs in the country.

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3 tips to help you decide where to retire

There are plenty of options for people to put down new retirement roots these days but  whether its moving to a small town from the big city or choosing beachfront property over a ski chalet, its important to remember that selecting the perfect locale takes careful consideration.

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Estate planning: Considering the basics

Estate planning is a crucial element to leaving a lasting legacy with family and friends. A well thought out plan recognizes the best way to pass along assets, while setting clear expectations with potential heirs to ensure your wishes are respected.

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Estate planning: Tax implications

The taxation of estates in Canada is a complex topic that is often best addressed by speaking to an estate and/or tax expert. Here are some basics to be aware of in order to ask the right questions.

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