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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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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 ShepellCanada's leading retirement consulting and administration firmThe 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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Top Customer Reviews
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.
The four pillar analogy is helpful in understanding the revenue streams that will fund the Canadian retirement.
Most recent customer reviews
It is very frustrating to think that a book written about retirement is published in very small print (smaller than typical books). Read morePublished 12 months ago by Amazon Customer
Helps ease your mind about having enough for retirement, practical advisePublished 14 months ago by Robert Lobban
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. Read more
Lots of good information here. Wish they would have discussed options for people who won't have their mortgage paid off before they retire, which is the reality for a lot of us. Read morePublished 18 months ago by Mp
This is a awesome read. Simple but effective viewpoint on retirement. Would highly recommend this book to all those wishing to retire now.Published on Dec 26 2013 by Byron Balcom