Retirement tales

Are your retirement plans not living up to expectations? Let MoneySense know



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MoneySense is looking to speak to retired or soon-to-be retired Canadians who think the retirement plan their advisor created for them didnt live up to their expectations. Did the returns you were led to expect turn out to be way out of whack with what has happened in the markets? As a result, did you have to cut back spending, put off retirement or make other difficult adjustments? Did the financial plan contain other key assumptions which proved overly optimistic? Let us know by e-mailing us at

One comment on “Retirement tales

  1. I'm interested in the results of the article you're going to write. While I'm still 7 to 10 years away from retirement, I am extremely disappointed in how my wife and my RRSP investments have done. We started saving more seriously about 13 years ago (1997). At that time my goal was an 8% annual growth rate (the 30 year TSX average of just over 10% less ~2% for MER on our mutual funds). While 8% may sound high based on today's long term growth rates, our advisor was talking in terms of 12% to 14% based on several years in the 90's of 20%, 30% or even 40% on many mutual funds. The reality has been approximately 2% growth on our deposites over the past 13 years (almost enough to account for inflation). While we've seen growth of 16% to 18% in some years, the effect of things like the Tech bubble of 2000, Sept. 11th, and the financial crisis of 2008 has resulted in a much lower and disappointing growth rate. I'd like to know how much better off we would be if we had been using index mutual funds and/or ETF's like the magazine is always promoting in the "Couch Potato" stradegy.


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