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The Real Retirement: Why You Could Be Better Off Than You Think, and How to Make That Happen Paperback – Dec 18 2012


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Product Details

  • Paperback: 288 pages
  • Publisher: Wiley (Dec 18 2012)
  • Language: English
  • ISBN-10: 111849864X
  • ISBN-13: 978-1118498644
  • Product Dimensions: 15.5 x 1.8 x 22.7 cm
  • Shipping Weight: 440 g
  • Average Customer Review: 4.1 out of 5 stars  See all reviews (12 customer reviews)
  • Amazon Bestsellers Rank: #19,345 in Books (See Top 100 in Books)
  • See Complete Table of Contents

Product Description

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.


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Customer Reviews

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Most helpful customer reviews

4 of 4 people found the following review helpful By thrd on Feb. 16 2013
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 of 5 people found the following review helpful By Mike Verge on 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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Format: Paperback Verified Purchase
This is 'the' book to buy! If you are Canadian and are looking for the best book on the market to help you understand retirement in Canada and what it actually takes to retire then you cannot pass up on this book. I had originally thought of retiring around the 60 - 62 year time frame but quickly realized after reading this book that I could, and I actually did, retire at 58. Yes 58 and still maintain the lifestyle that my wife and I enjoy as well as incorporate some travelling.

The book clearly and in a very straightforward manner describes all the aspects of retirement from contributions by the government (CPP and OAS) to what most corporate plans (Defined Benefit, Defined Contribution, etc.) provide and finally what you really need to save to supplement this so that you can cover your actual consumption requirements in retirement.

I still reference the book from time to time as I continue to enjoy retirement.
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Format: Paperback Verified Purchase
It is very frustrating to think that a book written about retirement is published in very small print (smaller than typical books). Even with reading glasses, it is not a pleasure to squint at the small print. Who in the world made a decision to print the tiniest font for people close to retirement!! I couldnt get past this frustration to even determine if the information was good. Bad judgement. I returned it.
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Format: Kindle Edition Verified Purchase
Of course nothing in life is certain but the information in this book can give Canadian pre-retirees some assurances that their retirement, at the very least, will not consist of living in a banana box and eating dog food.
The four pillar analogy is helpful in understanding the revenue streams that will fund the Canadian retirement.
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Format: Paperback Verified Purchase
This book does not simply regurgitate the cliches and formulas that are the filler of other retirement financial books. It utilizes hard data to guide the reader through the financial realities of "real retirement", and develops useful approaches to help the reader plan their own retirement finances.
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