Retirement - My Own Advisor

Three ways to make your money last

Posted on May 22, 2017 by Mark | 14 Comments

Three ways to make your money last Bond yields are crappy. Future equity returns are forecasted to be lower than the past – maybe 3% or 4% real return. We’re collectively living longer on average (that’s good). When it comes…

Our bucket approach to earning income in retirement

Posted on April 3, 2017 by Mark | 49 Comments

Our bucket approach to earning income in retirement Asset accumulation seems easy but what about asset decumulation? The solution might be: you might want to consider a bucket approach to earning income in retirement. One of my favourite books about…

Victory Lap Retirement

Posted on January 11, 2017 by Mark | 33 Comments

Victory Lap Retirement At the Canadian Personal Finance Conference I attended last year, there was a great deal of money talk, presentations and discussions about retirement, early-retirement, and what you’re really working towards. Many of the discussions circled back to…

If you’re so smart, why aren’t you retired?

Posted on January 10, 2017 by Mark | 50 Comments

I’ve pondered this question often. Of others. Of myself. If you’re so smart, why aren’t you retired already? I’ll speak for myself….a few reasons why I’m not retired now, or soon. I invested in high-priced mutual fund products for far…

Generating Retirement Income

Posted on October 25, 2016 by Mark | 20 Comments

Generating Retirement Income Crappy bond yields are putting a dent in your retirement plan. Global economic growth is slowing and might slow down even more. Healthcare is becoming more expensive. How are you going to generate retirement income? Today’s post…

Passive Investing Success – The Evidence is Here

Posted on April 24, 2016 by Mark | 64 Comments

For a few years now I’ve been inspired by early retirement. It’s something we’re working towards and getting closer to every month. Through running this blog, I’ve been fortunate to meet a number of fine folks who are willing to…

Retirement case study – can they do it in 10 years?

Posted on March 30, 2016 by Mark | 21 Comments

I recently read a profile in The Globe about a couple wondering if they could retire in another 10 years. I’ll offer my take on their plans and a comparison to our own. The Bio: David, 52, and Ruth, 50.…

Asset allocation in retirement

Posted on March 13, 2016 by Mark | 64 Comments

Asset allocation in retirement If you think you’re confused about how best to de-accumulate assets to cover retirement expenses, you’re not alone. I’ve read countless articles about how to preserve capital while creating some sort of income stream to cover…

What will your retirement look like?

Posted on February 14, 2016 by Mark | 22 Comments

This is a question I read about quite a bit but we haven’t really answered it for ourselves. We have some ideas though… Let’s start with what we don’t want: Being lazy around the house Absence of hobbies Little exercise…

Retirement worries? Not here. Find out why.

Posted on January 26, 2016 by Mark | 50 Comments

For a few years now, I’ve been inspired and motivated by early retirement. We’re far from realizing that but I’d like to think we’re getting there, slowly. Using this site to chronicle our financial freedom journey I’ve been fortunate to…