Modern pensions to build retirement security
For many people, a pension is a thing of the past — something that may have helped their parents or grandparents, but is unlikely to help them.
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6.5 Filling the Gap with Your Personal Savings
For most people, personal savings bridge the gap between fixed income and the lifestyle they want in retirement. This video outlines the role of different accounts and how using them strategically can maximize the value of your savings.
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6.4 Pensions, Annuities, and Other Income Sources
Government benefits are just the beginning. Workplace pensions, annuities, and other income sources add stability to your retirement plan. This video explains how these income streams fit into the broader picture of retirement planning.
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6.3 When to Start Your Retirement Income
Timing is one of the most important decisions in retirement. Starting too early or too late can have significant effects on your income. This video highlights how government benefits work and how personal circumstances should guide your timing decisions.
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6.2 Understanding Retirement Income Sources
Retirement income doesn’t have to feel uncertain. You can rebuild a steady paycheque by blending fixed and flexible sources. This video explains how to layer different types of income so you can maintain stability while keeping the flexibility you need.
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6.1 Shifting from Saving to Spending
After decades of building your nest egg, retirement asks you to flip the switch – from saving to spending. This transition can feel exciting but also daunting. This video explores how to make that shift with confidence by understanding your lifestyle, planning for longevity, and building strategies to manage change.
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5.7 Reflect on Your Progress
Retirement saving is a marathon, not a sprint. It’s important to pause and celebrate how far you’ve come. Taking time to reflect reinforces your progress and helps you stay motivated for the next stage of your journey.
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5.6 The Power of Account Consolidation
Many Canadians have savings scattered across accounts. Consolidating them gives you a clearer picture and can reduce fees. Bringing your accounts together not only simplifies planning but can also save you time and money in the long run.
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5.5 Ways to Improve Your Plan
A review isn’t just about checking in – it’s your chance to strengthen your plan. Even small improvements, made consistently over time, can significantly boost your retirement readiness.
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5.4 Update Beneficiaries and Contact Information
This is one of the simplest, but most important, parts of a review. Outdated details can create real problems for you or your loved ones. Keeping this information current ensures that your savings are protected and your access to your plan is uninterrupted.
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