Contents: Decumulation strategies, save more with Roth IRAs, retirement realities, fiduciary is a must but industry fighting it tooth and nail, soft landing for Canada’s housing? rich benefit from low interest rates, Canadian home sales up/down/flat depending on location, pension plan liability calculated with discount rate based on rate of return on pension plan assets […]

Contents: Lower return expectations, Buffett to wife: use cheap and passive, free automated portfolio management, advisers enhance returns by up to 3%, passive beats active, testamentary trusts still useful, new tracking at border-crossings requires snowbird vigilance, Canadian home prices at record level but no bubble? U.S. wealth at record $80T but only $10T in IRA/401(k), […]

Contents: retirement savings first, bank falls for scam, non-financial retirement risks, adviser questions, undisclosed stockbroker red flags, hidden camera shows advisers “lying or incompetent”, “easy money” is attraction to active investing, Milken: health and education better investments than housing, Toronto home sales and prices up again, income replacement percentage inappropriate for estimating retirement expenses, CPP […]

Contents: LTC planning not insurance, work till 75? retirees’ dumb moves, health insurance abroad, healthcare costs in (Canadian) retirement, 4% withdrawal rule unrealistic (Duh…), Green’s Gone Fishin’, GenXers’ financial priorities, getting value from an adviser, prepare “If something happens” binder, US house prices up 11% for year but down 0.3% in quarter, Shiller: losing optimism […]

Contents: Mutual funds’ ‘all-in’ expenses devastate retirement savings, regulate Ontario advisers; yes but not this way, growing young vs. old housing wealth gap, information asymmetry makes pension purchase decision insurmountable, employers squeeze 401(k) plans, 401(k) on auto-pilot better but not perfect, financial services: conflicts of interest everywhere, couple’s retirement disconnect, no universally safe stock holding […]

Contents: Canada’s balanced budget on track, survivorship bias distorts fund returns, Canada/Toronto/Vancouver house prices still hot, U.S. homes affordability-depends on metric, 2013 good year for Florida real estate, Ontario pension reform expanded-CPP with flexibility points? improved Canadian pensioner longevity metrics drives up obligations, multidimensional measure of retirement readiness, emerging markets remedies, middle class stagnating or […]

Contents: SEC priorities, are advisers worth their fees? liability driven investing for individuals, Canada home prices slightly up but sales down, rent or buy? Florida has 25% of national foreclosures, Nortel pensioners squeezed, 2014 the year of Canadian pension reform? The Third Rail: the pension crisis and potential solutions, Target-Benefit/Shared-Risk pension plans, commonalities of gold […]