Chapter 1: Crisis? What Crisis? 1
Chapter 2: Understanding the Foundation—Pensions 13
Chapter 3: Understanding the Foundation—Health Care 31
Chapter 4: Our Best Days Are Behind Us 43
Chapter 5: When Can We Retire? 55
Chapter 6: How Workers Will Respond 65
Chapter 7: Deciding When to Retire 75
Chapter 8: The Three Phases of Retirement 85
Chapter 9: We Are Better Prepared than We Thought 93
Chapter 10: Your Retirement Income Target—Why You
Don’t Need 70 Per Cent 103
Chapter 11: The Neutral Retirement Income Target 115
Chapter 12: Arriving at Your Own Retirement Income Target 127
Chapter 13: Investment Basics 135
Chapter 14: Managing Your Portfolio 153
Chapter 15: Your Expected Return 165
Chapter 16: Choosing Your Savings Vehicle 173
Chapter 17: Should You Buy an Annuity? 185
Chapter 18: When You Can No Longer Cope on Your Own 193
Chapter 19: Tackling the Big Unknowns 201
Chapter 20: Ending on an Optimistic Note 211
Appendix A: Pillar 1 and Pillar 2 Benefi ts 219
Appendix B: Income by Source 223
Appendix C: NRIT Charts 225
Appendix D: A Guide to Retirement Programs in Canada 231
Glossary 241
Endnotes 253
Acknowledgements 257
About the Authors 259
Index 261
