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Insurance & Investments

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Peter Wouters

Directeur, Planification fiscale et successorale et planification de la retraite, Gestion de patrimoine
Placements Empire Vie

Recent Posts

Ten retirement myths series: Myth #5

Investments, Personal Finance

The myth of never touching your capital starts when people are working and saving for retirement. Some become conscientious savers, never touching their nest egg. That mentality spills over into retirement. Changing habits can be hard.

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Ten retirement myths series: Myth #4

Investments, Personal Finance

How much income will you need during retirement? The myths and misunderstandings continue, despite growing evidence and research that debunk them. Retirement myth #4: You need 70-85% of your current income in retirement.

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Ten retirement myths series: Myth #3

Investments, Personal Finance

How much is enough? Books have been written on the subject of retirement and what you need to save. Myths abound on this question. Here’s one to consider: I need $500K, $1M, $2M to retire.

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Ten retirement myths series: Myth #2

Investments, Personal Finance

It’s surprising, even shocking, that with all of the attention devoted to an aging society and the need to save for retirement, that so few people are inspired to get started; and then save so little. Many do have a doom and gloom attitude about retirement. Myths aren't helping matters.

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Ten retirement myths

Investments, Personal Finance

We are experiencing a silver Tsunami. The leading edge of the Boomers turned 65 four years ago. On average, 1250 Canadians turn age 65 every single day. It’s part of a 20 year trend.

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The push and pull (back) of guaranteed lifetime income

Investments, Personal Finance

Why do aging Canadians want more guaranteed lifetime income? I’ve written and spoken a fair bit about this. Here are some push factors in favour of guaranteed lifetime income:

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What keeps you up at night?

Investments, Personal Finance

What keeps you up at night? The Late Show, the party next door, crying babies, waiting for the kids to get home, that spicy meal and/or the weather? All of us have had trouble getting to sleep and many of us can relate to the list of things I just covered. Most of these things pass with time. Some other things stick with us. Consider the following concerns echoed by a survey of adults ages 35+.

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Guaranteed lifetime income: the 90% factors

Investments, Personal Finance

I’ve written earlier about guaranteed lifetime income, its value and what Canadians want in terms of a plan or product that provides this in addition to what they may be receiving from government benefits. This is especially appropriate for those aging individuals that do not have a defined benefit pension plan through work, a plan that tells them how much they are “guaranteed to receive” for the rest of their lives.

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Value of guaranteed lifetime income

Investments, Personal Finance

The interest in guaranteed lifetime income and its importance to aging Canadians is growing rapidly. This value held by Canadians for guaranteed lifetime income is in addition to government sponsored plans.

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Age, gender and retirement perspectives

Investments, Personal Finance

Do you think that retirement for you and future generations will be significantly different than it is for current retirees? If you say, “yes”, you’re not alone. Most consumers anticipate meaningful differences. Thoughts, expectations, confidence and planning do differ when considering age and gender. Here are some recent findings shared with permission from the LIMRA Secure Retirement Institute. If the Shoe Fits: Generational Names and Retirement Attitudes, 2017.

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