Pay-down your Mortgage or Top-up your TFSA

Executive Summary The question of reducing debt or contributing to savings will continue to be debated for as long as people plan to retire in Canada. Of course opting for both: reducing debt and increasing savings is the ideal. As for which is better, however, really depends on the individuals...

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New CPP Rules

Executive Summary The new rules regarding the Canada Pension Plan (CPP) have confused many future retirees.  The most common approach by many future retirees is to wait until it really matters. For all Canadians over 50 years old, who are approaching retirement, and beginning long-range...

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Retirement Myths Debunked (Part II)

Myth #6 - You need that initial level of retirement income, indexed for the rest of your life. I’m sure you can come up with a list of things that don’t fit the “set it and forget it” philosophy. Set the cruise control and forget it. Set the room temperature and forget it. Invest in a...

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Retirement Myths Debunked (Part I)

Executive Summary We are experiencing a silver Tsunami. The leading edge of the Boomers turned 65 six years ago. On average, 1,250 Canadians turn 65 years old every single day. Most Boomers were born between 1961 -1965. That’s why you feel everyone has been turning 50. And people are living...

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