Yup. The RIF in the Vanguard retirement portfolio ETF ticker stands for Retirement Income Fund. It’s a new retirement one ticket portfolio – VRIF. It’s a diversified fund of funds designed to deliver a consistent 4% income stream. The one ticket asset allocation portfolios are certainly game changers. Will VRIF change the game for the […]
It’s RRSP contribution deadline day.
Last call. Tick Tock. You can make an RRSP contribution today and use that contribution slip when you file your 2019 taxes. It’s RRSP contribution deadline day. Of course it’s called a first 60-day contribution. You can also carry that forward to be used in a future tax filing. Here’s a good post from savvynewcanadians […]
Defined benefit pension planning. Bad advice could cost you your retirement.
The following is a guest post by invitation. This is such an important subject, and a request I receive from readers with regularity. I’ve asked financial planner and pension expert Alexandra Macqueen to offer her expertise. This is an epic piece that many will find more than valuable. While an overview, this can serve as […]
Using your RRSP and TFSA to play retirement portfolio catch up.
It’s not too late. Even if you’re in your 40’s or early 50’s you can play some serious portfolio catch up. You can put your retirement portfolio into overdrive. And you can use your RRSP account to drive your TFSA account. With a retirement portfolio catch up strategy your generous tax return monies go directly […]
Dalbar’s national retirement study ranks RBC as the #1 bank.
Dalbar recently unleashed Canadian mystery shoppers at Canadian banks and credit unions. The shoppers were seeking advice on retirement and retirement planning. In the big bank category RBC came out on top. In Dalbar’s national retirement study TD was back of the pack. This first of its kind study was a look at how well […]
The 7-ETF portfolio for retirement. 2019 performance.
I continually receive emails from readers asking how they can construct their ETF portfolio for retirement. First off, I’d suggest that simple works. In retirement we are looking for portfolio growth and we need to manage the sequence of returns risk with bonds and other assets. That is to say, a simple core ETF portfolio […]