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1、ManagingYourMoneyinRetirementou'refinallyretiringafterThefirststepalongcareerworkingandContentsistofigureoutYsavingforyourgoldenwhatyouryears.You'vediligentlyput37ManagingYourasideafewdollarseverypaychequeMoneyIn.expenseswiIIbeandamassedarespectablenesteggtoRetirementcomplementyourC
2、anadaPensionByOlevEdurPlan(CPP)andOldAgeSecurity42YourQuestions(OAS)benefitsand,ifyou'refortun-JanuaryIFebruary2014G00DTlMES37IYOURRIGHTSI•••••••••••••••••••••••••••••••••••••••••••••••••••goldenyears.Sowhereandhowdo••.•youstart?•CommonRetirement•"Usuallywhenpeoplewantto••••knowhowt
3、orestructuretheirfinances••IncomeSources•••forretirement,thefirstthingtheyask•Yourretirementincomewilllikelycomefromavarietyof•aboutistheinvestmentstheyshould.••sources,includingthefollowing:•get,"saysAudreyMcFarlane,afinan••••-CanadaPensionPlan(CPP).Thiscanbestartedasearly•cialadvi
4、sorwithEdwardJonesinVic•••asage60,althoughyou'llneedtocontinuetomakecontributions•toria."Butchoosingtherightinvest•.••onanyworkearningsuntilatleastage65,inreturnforwhichyou'll•mentsisreallythefinalpointinthe••getaslightincreaseinbenefitsstartingthefollowingyear(this•planningprocess.
5、Thestartingpointis••••adjustmentisontopoftheannualindexationtoinflationthatis•figuringoutwhatyourexpensesare•••appliedtothesebenefits).•goingtobe.••-OldAgeSecurity(OAS).Thisstartsatage65(thoughthe."Whenpeoplethinkofbudgeting,•agewillincreaseto67inthenextdecade).Thecurrentmaximumis•t
6、heythinkitmeanslistinghowmuch••.•.about$550amonth(adjustedeveryquarterforinflation),andif•theyspendonfood,onwine,onevery•you'velivedinCanadaformostofyourlife(orinsomecasessub••singlething,"McFarlanesays."That•••stantiallyless),you'llbeentitledtothemaximum.However,OASwill•isn'tnecess
7、ary.Whatyoureallyneed•••beclawedbackonceyourannualincomeexceedsabout$70,000.•toknowishowmuchyouroverallex••-TheGuaranteedIncomeSupplement(GIS).Thistax-free•pensesare-firstly,whatyou'respend••adjunctofOASisprovidedtolow-incomeretireesaged65-plus.•ingnow,andsecondly,whatyouneed•••Bene
8、fitsarebasedonyourp
