CPP - My Own Advisor

Weekend Reading – Building wealth and getting semi-retirement ready, financial facelifts gone wild, and more #moneystuff

Posted on December 5, 2020 by Mark | 32 Comments

Weekend Reading – Building wealth and getting semi-retirement ready, financial facelifts gone wild, and more #moneystuff Hey Readers! Welcome to my latest Weekend Reading edition where I share some of my favourite articles from the week that was across the…

Survivorship benefits for CPP and OAS

Posted on November 30, 2020 by Mark | 81 Comments

Survivorship benefits for CPP and OAS Long-time readers of this blog will know I remain many years away from full-on retirement – so I have tons of time to consider when to take our Canada Pension Plan (CPP) benefit and…

Spend more or retire earlier in this bulletproof retirement plan

Posted on April 27, 2020 by Mark | 18 Comments

Spend more or retire earlier in this bulletproof retirement plan The following case study was a prepared a few months ago prior to our world getting rocked by the COVID-19 pandemic. Learn how Sam, can spend more or retire earlier…

How to draw down a portfolio using Variable Percentage Withdrawal (VPW)

Posted on May 13, 2019 by Mark | 59 Comments

How to draw down a portfolio using Variable Percentage Withdrawal (VPW) This post turns the 4% rule on its head – how and why you should consider drawing down your portfolio using Variable Percentage Withdrawal (VPW). Asset accumulation is easy.…

Weekend Reading – Smarter saving and investing, taking CPP early, dividend increases and more #moneystuff

Posted on February 1, 2019 by Mark | 18 Comments

Weekend Reading – Smarter saving and investing, taking CPP early, dividend increases and more #moneystuff Hey folks! Welcome to my latest Weekend Reading edition where I share some of my favourite articles from the week that was across the personal…

Six big retirement mistakes – what I’m doing about them

Posted on February 13, 2018 by Mark | 37 Comments

Six big retirement mistakes – what I’m doing about them Jason Heath, a respected fee-only financial planner, outlined a number of mistakes investors make when it comes to retirement planning and/or investing during retirement. I thought I’d outline what I’m…

Can you have too much income from dividends?

Posted on January 2, 2018 by Mark | 27 Comments

Can you have too much income from dividends? Can you have too much income from dividends? A reader did actually ask me this question. Let’s answer it! Why I love dividends Long-time readers of this site know I take a…

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…

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…

Pensions 101 – The Basics of Defined Benefit and Defined Contribution Pension Plans

Posted on September 29, 2014 by Mark | 20 Comments

Pensions 101 – The Basics of Defined Benefit and Defined Contribution Pension Plans The following article is a guest post by Sean Cooper who blogs about personal finance at Sean Cooper Writer. Are you confused by your workplace pension plan?…