For retirees
Money guide for Canadian retirees
Retirement flips the problem from saving to spending well — drawing income tax-efficiently, timing CPP and OAS, and keeping fees and clawbacks down. The tools and guides that matter most, gathered here.
Income & drawdown
Retirement planner Will your money last? Model income, spending and longevity. Which account to draw first The decumulation order that keeps lifetime tax — and clawbacks — down. RRIF minimum withdrawal Your mandatory annual RRIF drawdown by age. The 4% rule for Canadians How much you can safely spend from a portfolio each year.
Government benefits
Banking, cards & investing
Best bank accounts for seniors No-fee and senior-discount chequing options. Best cards for retirees Cards that fit a retiree’s spending — with the insurance fine print. Best brokers for retirees Brokers ranked on the RRIF test and USD-dividend economics. Do you still need life insurance? When to drop it, and when it still earns its keep.