Efficient Markets

Welcome to Episode 4 of Retire Me

Today we talk about building a portfolio for retirement and touch on such topics as:

• why the portfolio you have before retirement as you are working and saving should look different than the one you bring into retirement
• the role of stocks and bonds in their portfolio
• the impact of volatility on your portfolio as you are saving and its impact when you are beginning to draw income from your portfolio
• why time and earning an income and having the ability to save are superpowers
• why you should increase you bond allocation as you approach retirement
• what is a reasonable asset allocation for retirees
• how to handle large one-time expenses in retirement
• The 4% withdrawal rule and it's usefulness going forward
• When you might be able to take less or more than 4%
• Why flexibility and constantly checking your retirement portfolio against your goals and needs is critical in retirement

Resources mentioned in the podcast are on by blog at : https://walhoutfinancial.ca/insights/retire-me-episode-4-how-do-i-build-a-portfolio-for-retirement

Thanks for listening!

Welcome to Episode 3 of Retire Me!

Today we discuss:

• Canada Pension Plan
• How much you can expect from CPP when you retire
• How CPP is calculated
• The impact of taking it:
  • as early as age 60
  • as late as age 70
• We discuss the profile of someone who might consider taking it early
• We discuss the profile of someone who might consider deferring the benefit
• Mark discusses how he advises clients who are making this decision
• Next week's episode will be on building a retirement income portfolio

Full Show notes and links to resources mentioned in the podcast can be found at https://walhoutfinancial.ca/insights/retire-me-episode-3-when-should-i-take-cpp

Welcome to Episode 2 of Retire Me.    In this episode we will discuss retirement spending, and the importance of building a customized spending plan for your retirement.  We will discuss:   1.  Frederick Vetesse's book, Retirement Income for LIfe 2.  How much of your pre-retirement income you are likely to need in retirement 3.  Some research on spending patterns of retirees  4.  How Mark approaches planning out spending in retirement - segmenting core and discretionary spending 5.  Planning out your retirement spending in phases

Full Details, Show Notes, and Resources mentioned in this podcast can be found on my blog at https://walhoutfinancial.ca/insights/retire-me-episode-002-spending-in-retirement

Welcome to Episode 1 of Retire Me!  A retirement podcast for Canadians.  Thank you for listening!   In this episode we discuss several items:

1. A recent survey from CIBC demonstrating that more and more Canadians are re-entering the workforce after retirement
2. The majority of them are re-joining to stay engaged and maintain their social connections at work, not just for money
3. How a "Victory Lap" can increase your safe spending in retirement 
4. Investment markets in 2019 - lessons learned
5. How Markets react after reaching new market highs, like we have this year
6. Introducing the show

Full Details, Show Notes, and Resources mentioned in this podcast can be found on my blog at

https://walhoutfinancial.ca/insights/retire-me-episode-001-victory-lap-retirement