The Blog
Short answers to
real questions.
Every post starts with a question a Canadian actually asked — the kind Allan answers in his MoneySense and Financial Post columns. The short version here; the full column a click away.
- CPP & OAS· June 2026
Why waiting until 70 to start CPP can be the quiet winner
Starting CPP at 60 feels safe, but delaying to 70 buys you guaranteed, inflation-indexed income that lasts as long as you do. Here is how to think about it.
Read the post - Decumulation· May 2026
Taking only the RRIF minimum can quietly cost you later
The RRIF minimum is the least you must withdraw, not the smartest amount. Pulling out a bit more in low-income years can save tax over your lifetime.
Read the post - Investing· April 2026
Annuity or GIC for guaranteed income? It is not all-or-nothing
Annuities and GICs both offer safety, but they solve different problems. Here is how to think about lifetime income versus flexibility — and why you can use both.
Read the post
