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Retirement planning made easy: a step-by-step approach

For many of us, planning for our retirement can feel pretty overwhelming. It’s like an elephant in the room always staring at us. And the closer we get to our retirement, the bigger that elephant seems to get! Read more…

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Retirement planning: start with the right approach

When selecting the right approach to retirement planning, it’s important that you know what retirement planning actually is and how it differs from financial planning. There is a difference! Read more…

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Boomer retirement planning: not everyone safely on board!

Traditionally many of us have come to imagine retirement as that point in time when we achieve ultimate freedom (aka “Freedom 55!”) where we can finally stand on our own in complete financial control of our life – with no more bosses and no more money-lenders. Read more…

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Thinking outside the box: more benefits to focusing on your mortgage

One of my favourite quotes is Albert Einstein’s definition of insanity. For him insanity was simply doing the same thing over and over again and expecting different results. If this definition holds true, then maybe it’s time for a saner mortgage-before-RRSP strategy. Why? Read more…

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RRSP contribution or extra mortgage payment: an out-of-the-box strategy

When it comes to the debate about contributing to an RRSP or paying down the mortgage, we’re all familiar with the two standard strategies promoted by the investment world – the one extreme and the compromise: Read more…

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What does the future say… pay off the mortgage or build up the RRSP?

The hardest part about making financial decisions is that nobody knows what the future holds. Yet all of our really big financial decisions, like paying off the mortgage and contributing to RRSPs, are dependent upon what happens in the future. Read more…

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Mortgages and RRSPs: big business for your bank

Most likely your banker or investment advisor is a likeable person and you may have a great working relationship with either or both of them. But when it comes to looking out for your own savings in the form of your mortgage and RRSPs, you need to remember what’s really going on in your relationship to these figures. Contrary to their seemingly interested conversations with you and their pleasant enough ways, these people are not your BFFs, trusted allies, or unbiased advisors, and the sooner you remember that fact the better off you’ll be financially. Read more…

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What to do … contribute to your RRSP or pay down your mortgage?

The average Canadian has always had limited savings and every year they wrestle with this same nagging question. Read more…

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What to do … contribute to your RRSP or pay down your mortgage: what the last 15 years tell us

The average Canadian has always had limited savings and every year they wrestle with the same nagging question: Should we contribute to our RRSP or pay down the mortgage? Read more…

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Good news: new numbers for retirement planning

I know. I know. We’re all stressing about it. Are you saving enough? Are your investments helping or hindering? Are you always anxiously rechecking your savings numbers for your retirement plan and wondering – Where did I go wrong? Read more…

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What rate of return will your investments earn in the future – 4%, 8%, 12%?

It’s a simple question, but your answer makes a huge difference in terms of hard cold cash for your financial future, and your investing success (or failure!) all depends on the number you pick. (Just try designing a financial plan or a retirement plan without an estimate of your future investment returns. It can’t be done!) Read more…

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