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The Real Retirement: Why You Could Be Better Off Than You Think, and How to Make That Happen [Paperback]

Fred Vettese , Bill Morneau
4.2 out of 5 stars  See all reviews (8 customer reviews)
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Book Description

Dec 18 2012 111849864X 978-1118498644
Straight Talk and solid retirement advice for all Canadians

In the face of government changes, financial market volatility, and an aging workforce, Canadians are understandably concerned about the impact on their finances and their future retirement. This reassuring book debunks the generally-accepted claims about necessary savings rates, which can cause paranoia among those beginning to contemplate retirement. The authors offer greater insight into planning approaches that are not widely understood, demystifies retirement targets (age, savings, income), and outlines concrete approaches to maximizing retirement savings.

  • Offers practical advice for dealing with the changes to Canada's retirement system
  • Includes advice for calculating your Neutral Retirement Income Target
  • Contains solid financial advice in accessible language
  • Written by the Executive Chairman and Chief Actuary of Morneau Shepell Canada's national actuarial consulting firm

The Real Retirement offers a down-to-earth guide for preparing for comfortable retirement and shows what it takes to achieve it.


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The Real Retirement: Why You Could Be Better Off Than You Think, and How to Make That Happen + How Much Is Enough: Balancing Today's Needs with Tomorrow's Retirement Goals
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From the Back Cover

Praise for The Real Retirement

"An important contribution and sound analysis. Of fundamental importance to all Canadians, but most importantly for the growing numbers contemplating their retirement and the uncertainty of their financial well-being – they're richer than they think!"
– Rick Waugh, President and Chief Executive Officer, Scotiabank

"Fred Vettese and Bill Morneau are experts in the field of retirement, who express some very thoughtful views and advice, based on extensive research and analysis, in a friendly, easily- readable manner. While my personal view is that it is better to save more than less because of uncertainty, and because the consequences of 'running out' are so severe, Bill and Fred offer a calm voice of reason and hope for those who start early with a disciplined program of saving/investing for retirement. A voice of reason in a noisy subject area."
– Donald Guloien, President and Chief Executive Officer, Manulife Financial

"Hold the doom and gloom. This book realistically catalogues all the challenges to saving for retirement and yet ends up leaving you feeling encouraged."
– Rob Carrick, Personal Finance Columnist, The Globe and Mail

"At last, there's good news for retirement savers. You don't need to replace 70 per cent of your pre-retirement income, as the financial services industry tells you. The authors take a close look at the numbers, add a large helping of realism and conclude that the true retirement income target is closer to 50 per cent."
– Ellen Roseman, Personal Finance Columnist, Toronto Star, and University of Toronto Instructor, Continuing Education

In the face of dwindling pension benefits and an aging workforce, there is a widespread perception that Canadians are heading toward a retirement crisis. The Real Retirement explains that these fears are overblown as most of us have overestimated how much we need to save for retirement. The good news is that if Canadians take the time to plan properly, most will be just fine, and many may actually be better off in retirement than they were during their working lives. Written by the Executive Chairman and the Chief Actuary of Morneau Shepell—Canada's leading retirement consulting and administration firm—The Real Retirement reveals the forces at play, explains how to set realistic retirement goals, and offers concrete ways to achieve a comfortable retirement.


Inside This Book (Learn More)
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Front Cover | Copyright | Table of Contents | Excerpt | Index
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Customer Reviews

4.2 out of 5 stars
4.2 out of 5 stars
Most helpful customer reviews
5 of 5 people found the following review helpful
4.0 out of 5 stars A very pragmatic review ! Jan. 11 2013
Format:Paperback|Verified Purchase
The first realistic thoughts on retirement I have read. He deals with both the emotional and financial issues. A very balanced evaluation.
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4 of 4 people found the following review helpful
5.0 out of 5 stars Valuable Retirement Guidance! Feb. 16 2013
By thrd
Format:Paperback
As someone anticipating retirement within 5-7years, I felt that the author's perspective was presented in a very objective, practical and balanced manner. The data was extremely interesting and validated the writer's viewpoint, and was written in laypersons terms. I would reccommend this as a very worthwhile book for anyone planning retirement, and as important food for thought for those over 30 who have not started to consider retirement planning. (Also a good read for many of the Financial Planners that I have encountered over the years)
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5.0 out of 5 stars good review of reality Oct. 20 2014
Format:Kindle Edition|Verified Purchase
Having recently retired (at an early age of mid 50's) I had planned extensively over the last few years. I bought this book as a check to see if I was missing anything. Overall it was a great review for me, and I found it insightful. I'd recommend it for others in the planning stages.
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4.0 out of 5 stars A solid understanding of retirement fundamentals Aug. 27 2014
Format:Kindle Edition|Verified Purchase
Put away the anecdotal myths, and the clichés investment adviser use to see you more investments. This book lays out the facts, as only an actuarial
Could. It most areas, realty is much better than the myth, but there are some bthisbtom watchn outb for
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