Retirement planning

信心與清晰退休

由王羽恬(CEA、CLU®)撰寫的 RRSP 策略、CPP 和 OAS 時機實用指南, 及退休收入規劃,讓您按自己的方式退休 — written by 王羽恬, CEA, CLU®.

8 articles 5–8 分鐘閱讀s By 王羽恬, CEA, CLU®
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01
退休規劃基礎

在加拿大舒適退休,您真正需要多少錢?

「70%法則」廣為人知——但並不適用於每個人。 Carrie breaks down how to calculate your personal retirement income target, what to expect from CPP and OAS, and how to close the gap with your own savings.

王羽恬, CLU®
8 分鐘閱讀
Retirement planning
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所有退休規劃文章

CPP & OAS

何時應開始領取CPP?答案可能令您驚訝

Starting at 60 vs 70 could mean hundreds of thousands of dollars difference over your lifetime. Here's how to decide.

RRSP Strategy

RRSP 與 TFSA:40至50歲時應優先選擇哪個?

Understanding when each account wins — and how to use both together to minimize lifetime tax and maximize retirement income.

Income planning

RRSP 提款陷阱——如何避免退休時面臨巨額稅單

Many Canadians don't realize how heavily RRSP withdrawals are taxed. Here's how to plan smarter before and after you retire.

Longevity planning

比錢長壽——如何讓您的儲蓄維持30年以上

With Canadians living longer than ever, your plan needs to account for a much longer retirement horizon than most people expect.

Pension

您知道您的退休金實際上值多少嗎? A guide to pension review

Most Canadians with workplace pensions don't fully understand what they'll receive — or how it integrates with CPP, OAS, and RRSP income.

CPP & OAS

OAS 詳解——您將獲得多少、何時獲得,以及如何避免收回機制

Old Age Security is available to most Canadians at 65, but there are important rules around income thresholds, timing, and deferral benefits worth knowing.

Healthcare

大多數加拿大人忽視的退休費用 — ——醫療保健與長期護理

Drug plans, dental, vision, and long-term care costs rise significantly with age. Here's how to build these into your retirement budget proactively.

想要個人化的退休收入預測嗎?

王羽恬將為您的具體情況進行計算——完全免費且無任何義務。

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