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Retirement

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Money • Retirement

Why a Market Crash Early in Retirement Can Drain Your Savings Faster

Two retirees can start with the same $1 million, withdraw the same amount and earn the same average returns, yet end up with dramatically different balances. This article explains sequence-of-returns risk: why market losses early in retirement can be especially damaging, how withdrawals magnify the effect and why smooth average-return projections can miss a critical retirement-planning risk.

Sep 24, 2026•14 views today

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Your RRSP Can Become Too Big — Here’s Why Some Canadians Withdraw Before They Need the Money

An RRSP meltdown involves deliberately withdrawing registered savings during lower-income retirement years rather than leaving everything invested until mandatory RRIF withdrawals begin. Using David’s hypothetical $900,000 RRSP, this article explains how the approach may smooth taxable income, reduce future RRIF balances and potentially limit OAS recovery tax exposure—while outlining significant trade-offs and planning considerations.

Sep 22, 2026•19 views today

Money

Most Canadians Are Saving for the Wrong Retirement Number

Many Canadians believe retirement requires $1.7 million in savings, but financial planners say that figure can be misleading. Your actual target depends on lifestyle, location, pensions, and government benefits.

Jun 8, 2026•37 views today