Personal Savings

November 12, 2019

DB Comeback – Part ll

It always feels a little self-serving to say anything positive about the future of DB plans.  With that said, I have spent most of the past […]
May 29, 2019

The Wonders of Variable Payment Life Annuities

I figured that since Joe has been writing a lot about DC plans and annuities lately, and earlier Dean provided his commentary on the recent Federal […]
May 13, 2019

Annuity Alternatives for DC Plans

In my last commentary I wrote about the advantage that DB pension plans have in providing for higher pension payments to retirees from accumulated assets than […]
April 30, 2019

Annuities and the DB Plan Advantage

Marvel Comics introduces Annuity Woman! I have written about annuities before and my admiration for the super powers of the annuity in risk management.  There is […]
April 15, 2019

At What Age Are You Old?

I sure am tired of hearing that age 50 is the new age 40.  But the expression has an important underlying meaning.  The expression referring to […]
March 19, 2019

Educating our Children IV – No Easy Roads

I rarely pay much attention to the lives of the rich and famous as they play out in front of us through the media.  That said, […]
October 10, 2018

DB – Time for the Comeback

  It’s official, DB is coming back! I wasn’t sure about this until last week when revered actuary Fred Vettese declared not only were private sector […]
August 27, 2018

CAAT DBplus – A Step in the Right Direction

There is an interesting development in the Canadian pension landscape that has the potential to be a real game changer.  Earlier this year, the CAAT Pension […]
July 19, 2018

New Research on CPP Enhancements

A recently released research paper by Bonnie-Jeanne MacDonald, “New CPP Enhancements: What do they mean for Canadian workers and seniors?” models how enhanced CPP (i.e. CPP2) […]
February 13, 2018

RRSP vs Mortgage – Wrong Question

It’s February, so the advertising about contributing to your RRSP is ramping up.  Four years ago, I wrote about the classic debate of paying down your […]
January 29, 2018

Debt: How Much is Enough?

I was talking to my friend Frank the other day and I made a comment about people’s willingness to borrow money just because there was a […]
November 5, 2013

Educating Our Children

  Tomorrow is “take your kid to work day” so I have been thinking about education a little more than usual this week. Saving for post-secondary […]