Carte-Blog

How women can plan for a longer retirement

03
Jul

Listen to this Podcast


How women can plan for a longer retirement

Canadian senior women live an average of three years longer than men, while their annual retirement income is significantly lower. That means careful planning is even more important if you’re a woman. Make sure you’re on track for a long — and financially secure — retirement.

1. Know your CPP, OAS, GIS

These important acronyms stand for Canada Pension Plan, Old Age Security and Guaranteed Income Supplement. You can learn more about these public pensions, find out which ones you qualify for and estimate how much you could receive at the Government of Canada site.

2. Choose your investments

An investment strategy can help you achieve the growth you need to build a nest egg that will support you through 20 or 30-plus years of retirement. It should also consider how your investment mix will change over time, so that the proportion of safer investments increases closer to retirement. Your investment advisor will work with you and recommend investments based on your comfort with risk, your savings goals, and your time until retirement.

3. Use registered funds

The Tax-Free Savings Account (TFSA) and Registered Retirement Savings Plan (RRSP) were designed to help people maximize long-term savings. It’s important to understand how these tools work and how to best use them for your situation. Depending on your income, your spouse’s income if you are married, and your anticipated income level during retirement, you might choose to hold your savings in RRSPs, spousal RRSPs, TFSAs, or some combination of these. Your financial advisor can help you figure out how to get the greatest benefit from these savings vehicles.

4. Protect yourself with insurance

If you have a spouse or common law partner, life insurance is an important tool to help preserve your current lifestyle and protect your financial wellbeing if your loved one passes and you find yourself having to cope on your own.

5. Think like a team

If you are married or have a common law partner, it’s important to consider all of your financial planning jointly. Estate planning (including wills and beneficiary designations) insurance, income from personal savings (including annuities, RRIFs, TFSAs and other sources), government pensions — all of these should be considered as part of a larger picture to ensure financial stability and to minimize taxes.

6. Create a financial plan

A well-rounded financial plan will provide you with a roadmap to guide you through to retirement and beyond by outlining a strategy for all of the points noted above. It should take into consideration any specific health concerns that may have an impact on your finances or your living arrangements.

Your financial advisor is an important part of your retirement planning team. Our advisors are trained to ask the right questions to help you develop a plan that addresses every aspect of preparing for retirement, tailored to your specific needs as a woman.

2,535 thoughts on “How women can plan for a longer retirement”

  10. szwbiJok says:

    spain royal coronavirus death rki coronavirus coronavirus canada wien maГџnahmen coronavirus coronavirus updates

    amy klobuchar husband coronavirus coronavirus relief bill coronavirus india coronavirus florida coronavirus numbers

    https://pharm-usa-official.com/coronavirus/# – ‌‌buy coronavirus

    https://www.boxofficeinsights.com/arjun-kapoor-kriti-sanon-celebrates-valour-in-new-song-mann-mein-shiva/?unapproved=140437&moderation-hash=ba5ce2268922441a44e3e06e6dfcdb15#comment-140437
    https://8sy.net/good-to-great-why-some-companies-make-the-leap-and-others-dont.html?unapproved=144868&moderation-hash=3bd5bf92165910c537f3e3a505fd1b6a#comment-144868
    http://thatssomichelle.com/2013/02/baked-banana-and-chocolate-chip-donuts.html?unapproved=3142143&moderation-hash=64ff3de622488eec4baf5624746a4d49#comment-3142143
    https://www.xnxx-pornos.info/jasse-hat-noch-nie-einen-geblasen/?unapproved=13919&moderation-hash=d5d4d1ab02a470ab4121ef1fba8c497e#comment-13919
    http://blogs.iutlaroche.univ-nantes.fr/gea/2013/11/15/movember-la-moustache-cest-tendance/974245_772949086064529_87688897_n/?unapproved=18692&moderation-hash=f326451e6fbd6ad90d009204761a871d#main/#comment-18692

    Reply
  16. owjxzscam says:

    upgrade loans avant loans caliber home loans login embrace home loans personal loans with bad credit

    sofi loans installment loans quicken loans wells fargo student loans discover student loans

    https://paydailoanz.com/# – zillow home loans division

    https://kraso4no.ru/kak-uluchshit-svoju-zhizn-5-kljuchej-buddy/?unapproved=17974&moderation-hash=0cba280908ecd16614d4e1ec04d2e70c#comment-17974
    https://compromat.ws/hudoyan-podkormit-shakro-molodogo/?unapproved=12677&moderation-hash=16a10e7a0789fde3095ec6353ba4b5c8#comment-12677
    https://pskwcrew.com.ng/album/duster-duster-album-zip-free-download-mp3/?unapproved=273655&moderation-hash=faccc8e484f1765bed8231022e7ab535#comment-273655
    https://livecaroline.com/16-2x/?unapproved=137899&moderation-hash=82d8a49ae877ae98d5632d25eeb7d1ed#comment-137899
    http://www.alcohol-injection.com/forum/showthread.php?t=413291&p=1733961#post1733961

    Reply
  34. yjhugJok says:

    make real money online ways to make money online make money how can i make money how to make money on the side

    photos imgclick easily make money sharing will friends social free file upload how to make money at home make money how to make money online for free best ways to make money

    https://make-money-blogs.com/# – make money online

    https://www.arkivinformationteknik.se/2019/03/08/artikel-om-intelligensexplosionens-vara-eller-icke-vara/?unapproved=5570&moderation-hash=ce7ed9ee5cb03b0b29067a1df64c97d5#comment-5570
    http://afronotesmovie.com/movie/x-men-apocalypse/?unapproved=205&moderation-hash=54ec6727b0a38859331c4ca5e365bec0#comment-205
    https://crisnail.es/el-color-del-ano-2018/?unapproved=118297&moderation-hash=613835f603f0d52727473f756bba9310#comment-118297
    https://lyviacairo.com/2014/02/une-vie-sans-lundi-17-gratitude/?unapproved=98921&moderation-hash=be0bc7b0f1765f4185ea1bc4ddf5cedf#comment-98921
    https://trinksa.net/page/viewblog/1812

    Reply
  81. dxozlJok says:

    cialis cialis online

    cialis buy cialis online

    https://wowcialisnow.com/# – cialis generic

    https://images.google.com.lb/url?q=http://make-money-blogs.com/
    https://www.google.co.id/url?sa=t&rct=j&q=&esrc=s&source=web&cd=36&cad=rja&uact=8&ved=0ahUKEwiI6JDLt6XTAhUBEpQKHZlPBJ04HhC3Agg_MAU&url=https://wowcialisnow.com/
    https://www.google.bt/url?q=https://wowcialisnow.com/
    http://www.google.co.tz/url?sa=i&rct=j&q=mohamed+matumla&source=images&cd=&docid=yuDfb_X7Gab40M&tbnid=RYy8i5d178GAsM:&ved=0CAUQjRw&url=https://wowcialisnow.com/
    https://www.google.com.sb/url?sa=t&rct=j&q=how+does+bone+repair+pdf&source=web&cd=3&ved=0cdgqfjac&url=https://wowcialisnow.com/

    Reply
  94. qhlilTwept says:

    generic cialis tadalafil 20mg tadalafil side effects tadalafil dosage tadalafil prix en pharmacie tadalafil 20 mg wirkungsdauer

    cialis generic tadalafil tadalafila generic tadalafil tadalafil 10mg tadalafil vs sildenafil

    https://supertadalafil.com/ – buy tadalafil online

    tadalafil 10mg tadalafil 20mg prix tadalafil 5mg tadalafil prix en pharmacie tadalafil 20 mg prix

    tadalafil cost generic for cialis tadalafil tadalafil 20mg cialis-impuissance tadalafil cialis-impuissance tadalafil

    https://xtadalafilx.com/ – tadalafil 20 mg

    Reply
  96. tzbnoJok says:

    tricked into taking viagra viagra before and after photos viagra is there a generic viagra on the market xvideos – kate england helps brother with viagra problem

    is viagra and pomegranate safe wikimedia wikimedia viagra was originally tested to treat what? viagra natasha son mom viagra homemade fucking my girlfriend on viagra

    https://pharm-usa-official.com – viagra

    Reply
  116. glyjuTwept says:

    tadalafil powder what is tadalafil tadalafil reviews buy tadalafil 20mg price tadalafil generic vs cialis

    tadalafil biogaran tadalafil reviews generic tadalafil tadalafil vs viagra cialis generic tadalafil

    https://supertadalafil.com/ – generic cialis tadalafil

    tadalafil vs viagra generic for cialis tadalafil liquid tadalafil generic for cialis tadalafil tadalafil cost cvs

    tadalafil 5mg prix tadalafil 10mg prix generic tadalafil tadalafil generic tadalafil online

    https://xtadalafilx.com/ – cheap tadalafil

    Reply
  126. xzulqTwept says:

    tadalafil generic cialis 20 mg mylan tadalafil tadalafil liquid tadalafila tadalafil 20

    tadalafil prix tadalafil generic vs cialis tadalafil liquid generic cialis tadalafil 20mg tadalafil 20mg

    https://supertadalafil.com/ – generic cialis tadalafil

    generic cialis tadalafil tadalafil tablets 20 mg tadalafil 5mg tadalafil generique tadalafil vs viagra

    tadalafil 5 mg tadalafil prix en pharmacie generic tadalafil sildenafil vs tadalafil tadalafil 20 mg

    https://xtadalafilx.com/ – tadalafil reviews

    Reply
  136. nicyqTwept says:

    generic tadalafil tadalafil generic vs cialis tadalafil reviews tadalafil cost tadalafil biogaran prix

    cialis-impuissance tadalafil liquid tadalafil tadalafil liquid tadalafil tablets 20 mg tadalafil citrate

    https://supertadalafil.com/ – generic cialis tadalafil

    purchase peptides tadalafil generic cialis tadalafil best buys generic tadalafil generic cialis tadalafil 40 mg generic cialis tadalafil 20mg

    tadalafil generic usa tadalafila buy tadalafil online cheap tadalafil cialis generic tadalafil

    https://xtadalafilx.com/ – tadalafil dosage

    Reply
  148. ysfkqTwept says:

    generic cialis tadalafil best buys tadalafil 20 tadalafil dosage tadalafil online canadian pharmacy tadalafil en ligne

    cheap tadalafil generic tadalafil tadalafil liquid cialis vs tadalafil generic cialis-impuissance tadalafil

    https://supertadalafil.com/ – tadalafil 20 mg

    mylan tadalafil tadalafil 20 mg wirkungsdauer generic cialis tadalafil tadalafil 40 mg buy tadalafil

    tadalafil vs viagra buy tadalafil 20mg price cheap tadalafil cialis tadalafil tadalafil citrate

    https://xtadalafilx.com/ – liquid tadalafil

    Reply
  227. TerrePoMah says:

    The Only Guide to purchasing College Essays Is Now Easier THAN EVER BEFORE. But Buyer … Allow’s get truthful. Creating essays and in addition several other scholastic documents could be a challenge for any sort of pupil. There is actually no pity in talking to a person for support. In the event that you google the term “compose my essay”, you will surely view numerous websites using composing companies for cash. And EssayShark is certainly one particular companies.4 Alongside expositions, our specialists can certainly prep a discussion, speech, situation study, research paper, dissertation, in addition to a lot more. Our writers division may take care of any sort of assignment of any sort of difficulty quickly. All you have to to have can be to provide our company thorough guidelines to greatly help our pros recognize the activity. Our experts recognize that students are in fact strict on spending plan, which is why our team perform all possible to help make the company economical for just about any sort of wallet.

    click through the next post

    Reply
  392. IvyEvows says:

    prednisone cream brand name buy lasix online europe advair diskus amoxicillin 500mg over the counter ventolin over the counter tadalafil india 20mg tadalafil online canada buy accutane trazodone hydrochloride where to buy kamagra online diclofenac gel otc usa sildenafil citrate 100mg tab amoxicillin 875mg buy female viagra buy generic cialis online where can i buy levitra where to buy prednisone without a prescription 10 mg baclofen cymbalta online coupon generic tadalafil 40mg

    Reply
  396. chlzjJok says:

    On occasion, Xanax is also prescribed off-label for the management of nausea due to chemotherapy.You may also know them by their generic names.Viagra, instructions for use.Symptoms of overdose are possible when taking two or more tablets of the product at a time.The standard form of Viagra is 100 mg of sildenafil per pill. buy viagra online I have a sore lower abdomen and no erection.Sexual desire is formed.You need to understand about the use, the dosage of oxycodone, how oxycodone work, how long does oxycodone take to work, the side effect of oxycodone, etc.Getting inwards, the drug stimulates circulation, relaxes smooth musculature and provokes the release of vaginal lubricant.Improving your lifestyle, stopping drinking, smoking and losing weight can also help. viagra pills Administration a worldwide treatment maximum drug is pde5 muscle mainly furchgott.Over half of all men with impotence are thought to have some physical medical cause.Viagra analogues.GPs can prescribe it.Generic drugs are chemically identical to brand-name drugs in terms of active ingredient s , intended use, quality, dosage, safety, bioavailability and effectiveness. https://pharm-usa-official.com – viagra 100mg In the development of Northern Eurasia in paleozoic there are two types of platetectonic interactions.It s more inconvenient and cumbersome, but has a potentially great benefit, said Werthman.Last reviewed 07 Mar 2019.Scleroderma is also referred to as systemic sclerosis, and the cause is unknown.How did your metaphorical pool become empty.

    Reply
  446. yslwzJok says:

    This is the reason that our online pharmacy prices are lower than in the pharmacy, which is located near your home.These meds are safe because they are legal copies of the originals.Fsiad has also been referred to as hypoactive sexual desire disorder hsdd.Along with cooking, cleaning and looking after the home which is a around the clock job, they also play very many roles.If you have reached 100 mg and have not found an answer to the question why sildenafil does not help, then you should stop and consult a specialist. buy viagra online i cant exercise and i have copd.This medication has been helping women to derive maximum pleasure from sexual activities.The recommended maximum daily dose of Viagra is 100 mg.1 Of course, first of all black, for the classics.Now on sale is a special women’s Viagra, created by pfizer specialists and passed the necessary tests. viagra generic Битрейт 192 Kbps.How the tool works.Products must be identical and in stock at the time of placing an order with a licensed mail order pharmacy.It is not a stimulant in itself.The dose can be increased if the initial dose is not effective. https://pharm-usa-official.com – online viagra But we’ll talk about it a little bit later.By the way, the rules of many world airlines specify a clause prohibiting pilots to operate planes, flight attendants to go on a flight, if the blood products of the dissolution of the pathogen.There is an opinion that the fashion for festival films, in which the abundance of sex covers the shortcomings of directing and acting, laid musical erotic drama 9 songs by Michael Winterbottom, the content of which can be briefly described in the words of a scientist and student having sex, in between concert numbers.A less reliable.Yes there is gentle blood flow improvement – however, that doesn t necessarily equate to sexual enjoyment, says Dr Anand Patel, a GP specialising in sexual problems.

    Reply
  462. dmoxaJok says:

    Usually, it will take 30 to 60 minutes for Viagra Connect to help a man get an erection when combined with sexual stimulation.The active component is Sildenafil, which contains 100 mg in each tablet.While spending money on various cosmetic products can be a very tedious job and even by spending you are not getting a result, you will feel it is like wasting money.Important exposure to heat, moisture and sunlight significantly reduces the effectiveness of the drug.In most cases erectile problems are caused by health issues preventing the blood flow from being supplied to the male genitals during sexual stimulation. viagra prices So that time, even Viagra didn t work.And everyone knew about Valery and Albina.The main side effect of such combinations is a severe reduction in blood pressure and ailments associated with this condition.Rated Canadian Online Pharmacy Which Delivers Low-Priced Generic Drugs, 100 Satisfaction Guaranteed, Best medications for real men, Fast Worldwide Shipping.Problems with potency this tool for arousal successfully solves already for 15 years since the appearance on the market. online viagra 1 Lower prices and discounts.” “Prescribing Erectile Dysfunction Medications.It can occur in the first minute after the start of the sexual act, or during the first seconds of sexual arousal.Viagra without a prescription.The blockbuster impotence pill is being used by a growing number of men under the age of 55. https://pharm-usa-official.com – viagra buy This handful of women around the country have access to Viagra because their partners or generous friends have prescriptions, or their profession allows them access to prescription drugs.Among similar drugs, the following active supplements are identified.Canadian Pharmacy Viagra Overview.The drug has the following mechanism of action.And if earlier sexual dysfunctions were treated by Viagra and its close counterparts, today the pharmacological industry is full of offer German drug Levitra, Russian analogue Viagra Sildenafil, natural remedy Alikaps and more.

    Reply