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How Much Will You Need in Retirement? 

This guide is a deep dive into the popular question, “How much will you need in retirement?” More importantly, it explores how to think about your lifestyle, current and future spending habits, the structure of government pensions, the often-misunderstood nature of inflation, and the famously debated “4% rule.” 
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WHAT TO EXPECT

Your Learning Journey 

 

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Why tracking your current expenses is a critical first step.

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How CPP and OAS function and why deferring them might yield larger payouts.

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The subtle but powerful dangers of inflation eroding your purchasing power.

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What the 4% rule does and doesn’t tell you about withdrawing money from your portfolio.

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DETAILS

By the end, you’ll have a thorough understanding of how to start planning (or refine your existing plan) to achieve the retirement lifestyle you want. While the details in this post may reference Canadian rules and benefits, the broad principles, like spending, investment returns, and inflation, apply to just about anyone looking to retire comfortably. 

  • Format: PDF
  • Read Time: 30 minutes
  • Page Numbers: 24
  • Language: English
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Portfolio Management and brokerage services are offered by PWL Capital Inc., which is regulated by the Canadian Investment Regulatory Organization (CIRO), and is a member of the Canadian Investor Protection Fund (CIPF).
 
Financial planning and insurance products are offered by PWL Advisors Inc., and are regulated in Ontario by Financial Services Regulatory Authority of Ontario (FSRA) and in Quebec by the Autorité des marchés financiers (AMF). PWL Advisors Inc. is not a member of CIPF.