{"product_id":"the-real-retirement-paperback","title":"The Real Retirement - Paperback","description":"\u003cp\u003eby \u003cb\u003eFred Vettese\u003c\/b\u003e (Author), \u003cb\u003eBill Morneau\u003c\/b\u003e (Author)\u003c\/p\u003e\u003cp\u003e\u003cb\u003eStraight Talk and solid retirement advice for all Canadians\u003c\/b\u003e \u003c\/p\u003e\u003cp\u003eIn the face of government changes, financial market volatility, and an aging workforce, Canadians are understandably concerned about the impact on their finances and their future retirement. This reassuring book debunks the generally-accepted claims about necessary savings rates, which can cause paranoia among those beginning to contemplate retirement. The authors offer greater insight into planning approaches that are not widely understood, demystifies retirement targets (age, savings, income), and outlines concrete approaches to maximizing retirement savings.\u003c\/p\u003e \u003cul\u003e \u003cli\u003eOffers practical advice for dealing with the changes to Canada's retirement system\u003c\/li\u003e \u003cli\u003eIncludes advice for calculating your Neutral Retirement Income Target\u003c\/li\u003e \u003cli\u003eContains solid financial advice in accessible language\u003c\/li\u003e \u003cli\u003eWritten by the Executive Chairman and Chief Actuary of Morneau Shepell Canada's national actuarial consulting firm\u003c\/li\u003e \u003c\/ul\u003e \u003cp\u003e\u003ci\u003eThe Real Retirement\u003c\/i\u003e offers a down-to-earth guide for preparing for comfortable retirement and shows what it takes to achieve it.\u003c\/p\u003e\u003ch3\u003eFront Jacket\u003c\/h3\u003e\u003cp\u003e\u003c\/p\u003e\u003cp\u003ePraise for \u003ci\u003eThe Real Retirement\u003c\/i\u003e\u003c\/p\u003e \u003cp\u003eAn important contribution and sound analysis. Of fundamental importance to all Canadians, but most importantly for the growing numbers contemplating their retirement and the uncertainty of their financial well-being - they're richer than they think!\u003ci\u003e\u003cbr\u003e - Rick Waugh, President and Chief Executive Officer, Scotiabank\u003c\/i\u003e\u003c\/p\u003e \u003cp\u003eFred Vettese and Bill Morneau are experts in the field of retirement, who express some very thoughtful views and advice, based on extensive research and analysis, in a friendly, easily- readable manner. While my personal view is that it is better to save more than less because of uncertainty, and because the consequences of 'running out' are so severe, Bill and Fred offer a calm voice of reason and hope for those who start early with a disciplined program of saving\/investing for retirement. A voice of reason in a noisy subject area.\u003cbr\u003e \u003ci\u003e- Donald Guloien, President and Chief Executive Officer, Manulife Financial\u003c\/i\u003e\u003c\/p\u003e \u003cp\u003eHold the doom and gloom. This book realistically catalogues all the challenges to saving for retirement and yet ends up leaving you feeling encouraged.\u003cbr\u003e \u003ci\u003e- Rob Carrick, Personal Finance Columnist, \u003c\/i\u003e The Globe and Mail\u003c\/p\u003e \u003cp\u003eAt last, there's good news for retirement savers. You don't need to replace 70 per cent of your pre-retirement income, as the financial services industry tells you. The authors take a close look at the numbers, add a large helping of realism and conclude that the true retirement income target is closer to 50 per cent.\u003cbr\u003e \u003ci\u003e- Ellen Roseman, Personal Finance Columnist, \u003c\/i\u003e Toronto Star\u003ci\u003e, and University of Toronto Instructor, Continuing Education\u003c\/i\u003e\u003c\/p\u003e \u003cp\u003eIn the face of dwindling pension benefits and an aging workforce, there is a widespread perception that Canadians are heading toward a retirement crisis. \u003ci\u003eThe Real Retirement\u003c\/i\u003e explains that these fears are overblown as most of us have overestimated how much we need to save for retirement. The good news is that if Canadians take the time to plan properly, most will be just fine, and many may actually be better off in retirement than they were during their working lives. Written by the Executive Chairman and the Chief Actuary of Morneau Shepell--Canada's leading retirement consulting and administration firm--\u003ci\u003eThe Real Retirement\u003c\/i\u003e reveals the forces at play, explains how to set realistic retirement goals, and offers concrete ways to achieve a comfortable retirement.\u003c\/p\u003e\u003ch3\u003eBack Jacket\u003c\/h3\u003e\u003cp\u003e\u003c\/p\u003e\u003cp\u003ePraise for \u003ci\u003eThe Real Retirement\u003c\/i\u003e\u003c\/p\u003e \u003cp\u003e\"An important contribution and sound analysis. Of fundamental importance to all Canadians, but most importantly for the growing numbers contemplating their retirement and the uncertainty of their financial well-being - they're richer than they think!\"\u003ci\u003e\u003cbr\u003e - Rick Waugh, President and Chief Executive Officer, Scotiabank\u003c\/i\u003e\u003c\/p\u003e \u003cp\u003e\"Fred Vettese and Bill Morneau are experts in the field of retirement, who express some very thoughtful views and advice, based on extensive research and analysis, in a friendly, easily- readable manner. While my personal view is that it is better to save more than less because of uncertainty, and because the consequences of 'running out' are so severe, Bill and Fred offer a calm voice of reason and hope for those who start early with a disciplined program of saving\/investing for retirement. A voice of reason in a noisy subject area.\"\u003cbr\u003e \u003ci\u003e- Donald Guloien, President and Chief Executive Officer, Manulife Financial\u003c\/i\u003e\u003c\/p\u003e \u003cp\u003e\"Hold the doom and gloom. This book realistically catalogues all the challenges to saving for retirement and yet ends up leaving you feeling encouraged.\"\u003cbr\u003e \u003ci\u003e- Rob Carrick, Personal Finance Columnist, \u003c\/i\u003e The Globe and Mail\u003c\/p\u003e \u003cp\u003e\"At last, there's good news for retirement savers. You don't need to replace 70 per cent of your pre-retirement income, as the financial services industry tells you. The authors take a close look at the numbers, add a large helping of realism and conclude that the true retirement income target is closer to 50 per cent.\"\u003cbr\u003e \u003ci\u003e- Ellen Roseman, Personal Finance Columnist, \u003c\/i\u003e Toronto Star\u003ci\u003e, and University of Toronto Instructor, Continuing Education\u003c\/i\u003e\u003c\/p\u003e \u003cp\u003eIn the face of dwindling pension benefits and an aging workforce, there is a widespread perception that Canadians are heading toward a retirement crisis. \u003ci\u003eThe Real Retirement\u003c\/i\u003e explains that these fears are overblown as most of us have overestimated how much we need to save for retirement. The good news is that if Canadians take the time to plan properly, most will be just fine, and many may actually be better off in retirement than they were during their working lives. Written by the Executive Chairman and the Chief Actuary of Morneau Shepell--Canada's leading retirement consulting and administration firm--\u003ci\u003eThe Real Retirement\u003c\/i\u003e reveals the forces at play, explains how to set realistic retirement goals, and offers concrete ways to achieve a comfortable retirement.\u003c\/p\u003e\u003ch3\u003eAuthor Biography\u003c\/h3\u003e\u003cp\u003e\u003c\/p\u003e\u003cp\u003e\u003cstrong\u003eFred Vettese\u003c\/strong\u003e has been Chief Actuary of Morneau Shepell for the past 21 years; has over 30 years of experience with national actuarial consulting firms; and is editor of, and primary contributor to, Morneau Shepell's newsletter, \u003cem\u003eVision\u003c\/em\u003e. He has written op-eds for the \u003cem\u003eNational Post\u003c\/em\u003e and \u003cem\u003eGlobe and Mail\u003c\/em\u003e and is frequently quoted in both newspapers. He has appeared on various radio programs including CBC's \u003cem\u003eThe Current\u003c\/em\u003e. He has written many pension articles for other journals, speaks regularly at national conferences such as the Conference Board of Canada, and is a member of the C.D. Howe Pension Policy Board. \u003c\/p\u003e\u003cp\u003e\u003cstrong\u003eBill Morneau\u003c\/strong\u003e is Executive Chairman of Morneau Shepell. Under his leadership, the firm has grown from 150 to 2,500 employees. He is actively engaged with clients across the entire spectrum of Canadian business and government in their pension and benefit management. He sits on, and is chair of, several boards, including St. Michael's Hospital in Toronto, the C.D. Howe Institute, AGF Management Ltd. and AGF Trust Company. He holds a B.A. from the University of Western Ontario, an M.Sc. (Econ.) from the London School of Economics, and an M.B.A. from INSEAD in Fontainebleau, France.\u003c\/p\u003e\u003cdiv\u003e\n\u003cstrong\u003eNumber of Pages:\u003c\/strong\u003e 288\u003c\/div\u003e\u003cdiv\u003e\n\u003cstrong\u003eDimensions:\u003c\/strong\u003e 0.7 x 9 x 6 IN\u003c\/div\u003e\u003cdiv\u003e\n\u003cstrong\u003ePublication Date:\u003c\/strong\u003e December 18, 2012\u003c\/div\u003e","brand":"Books by splitShops","offers":[{"title":"Default Title","offer_id":42721379319871,"sku":"9781118498644","price":33.6,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0105\/8226\/1823\/files\/1637329ecdb568880be118559c087cec.webp?v=1765092162","url":"https:\/\/dhlswag.com\/products\/the-real-retirement-paperback","provider":"BBB","version":"1.0","type":"link"}