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Frederick Vettese

FreelanceRetirement writer

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Frederick Vettese is former chief actuary of Morneau Shepell (now Telus Health) and a national thought leader on retirement issues. He has published four books on retirement planning, most notably the best seller, Retirement Income for Life.

Latest articles

October 8, 2024

Canada Pension Plan

Canada Pension Plan

Should you wait until January to start your CPP pension? The answer is out

2 min read

September 24, 2024

Couple relaxing and drinking wine and holding hands on deck chairs in an over water bungalow. They are looking at the view

Couple relaxing and drinking wine and holding hands on deck chairs in an over water bungalow. They are looking at the view

How the cost of annuities changes over time

2 min read

August 27, 2024

Democratic presidential nominee Vice President Kamala Harris speaks at the 2024 Democratic National Convention, Aug. 22, 2024 in Chicago. (AP Photo/Paul Sancya)

Democratic presidential nominee Vice President Kamala Harris speaks at the 2024 Democratic National Convention, Aug. 22, 2024 in Chicago. (AP Photo/Paul Sancya)

What are the odds that Harris or Trump will remain healthy for a four-year term?

1 min read

August 20, 2024

The Canada Pension Plan Investment Board is investing about $811 million for a 20 per cent stake in European company Team. Information regarding the Canadian Pension Plan is displayed on the Service Canada website in Ottawa on Tuesday, January 31, 2012.THE CANADIAN PRESS/Sean Kilpatrick

The Canada Pension Plan Investment Board is investing about $811 million for a 20 per cent stake in European company Team. Information regarding the Canadian Pension Plan is displayed on the Service Canada website in Ottawa on Tuesday, January 31, 2012.THE CANADIAN PRESS/Sean Kilpatrick

The maximum CPP pension future retirees could get is about to start changing in a big way

2 min read

August 13, 2024

Close up hands of caregiver doctor helping old woman at private clinic. Close up of hands of nurse holding a senior patient with walking stick. Elder woman using walking cane at nursing home with nurse holding hand for support.

Close up hands of caregiver doctor helping old woman at private clinic. Close up of hands of nurse holding a senior patient with walking stick. Elder woman using walking cane at nursing home with nurse holding hand for support.

Are we prepared for the coming explosion in long-term care needs?

1 min read

July 3, 2024

The federal banking regulator is keeping its domestic stability buffer on hold as it says financial system vulnerabilities, such as high household debt, remain elevated but stable, while near-term risks continue to be low despite some recent increase. Bank towers are shown from Bay Street in Toronto's financial district on Wednesday, June 16, 2010. THE CANADIAN PRESS/Adrien Veczan

The federal banking regulator is keeping its domestic stability buffer on hold as it says financial system vulnerabilities, such as high household debt, remain elevated but stable, while near-term risks continue to be low despite some recent increase. Bank towers are shown from Bay Street in Toronto's financial district on Wednesday, June 16, 2010. THE CANADIAN PRESS/Adrien Veczan

Retirees: Is it better to invest in bonds or GICs?

2 min read

May 7, 2024

In this combination photo, President Joe Biden speaks May 2, 2024, in Wilmington, N.C., left, and Republican presidential candidate former President Donald Trump speaks at a campaign rally, May 1, 2024, in Waukesha, Wis. Just six months before Election Day, Biden and Trump are locked into the first presidential rematch in 68 years that is at once deeply entrenched and highly in flux as many voters are only just beginning to embrace the reality of the 2024 presidential election. (AP Photo)

In this combination photo, President Joe Biden speaks May 2, 2024, in Wilmington, N.C., left, and Republican presidential candidate former President Donald Trump speaks at a campaign rally, May 1, 2024, in Waukesha, Wis. Just six months before Election Day, Biden and Trump are locked into the first presidential rematch in 68 years that is at once deeply entrenched and highly in flux as many voters are only just beginning to embrace the reality of the 2024 presidential election. (AP Photo)

What are the odds that Biden or Trump will stay healthy to 2028?

1 min read

April 23, 2024

Senior couple, retirement and writing documents of investment report, financial assets or sign legal contract of insurance policy. Man, woman and paperwork for budget, pension savings or loan at home

Senior couple, retirement and writing documents of investment report, financial assets or sign legal contract of insurance policy. Man, woman and paperwork for budget, pension savings or loan at home

At what age do Canadians start their CPP pensions? And what age should they start?

1 min read

April 17, 2024

Office towers are photographed in Toronto's financial district on Wednesday, June 27, 2018. Avison Young says Toronto's downtown office vacancy rate was 12 per cent in the second quarter, up from 11.6 per cent in the first quarter. THE CANADIAN PRESS/ Tijana Martin

Office towers are photographed in Toronto's financial district on Wednesday, June 27, 2018. Avison Young says Toronto's downtown office vacancy rate was 12 per cent in the second quarter, up from 11.6 per cent in the first quarter. THE CANADIAN PRESS/ Tijana Martin

Can your active fund manager beat the market?

2 min read

April 9, 2024

Unrecognisable woman using smartphone buy cryptocurrency at a coffee shop, blockchain investment, decentralize and Stock market concept.

Unrecognisable woman using smartphone buy cryptocurrency at a coffee shop, blockchain investment, decentralize and Stock market concept.

How much will you pay in investment fees over your lifetime?

2 min read

April 2, 2024

Banking, online payments. Financial concept. Woman working on laptop near big piggy bank. Flat style. Vector illustration on white background

Banking, online payments. Financial concept. Woman working on laptop near big piggy bank. Flat style. Vector illustration on white background

Are your investment returns good enough to fund your retirement?

2 min read

March 26, 2024

Banking, online payments. Financial concept. Woman working on laptop near big piggy bank. Flat style. Vector illustration on white background

Banking, online payments. Financial concept. Woman working on laptop near big piggy bank. Flat style. Vector illustration on white background

What’s the maximum you can save for retirement?

2 min read

March 12, 2024

FILE PHOTO: The Bank of Canada building is pictured in Ottawa June 1, 2010. REUTERS/Chris Wattie/File Photo

FILE PHOTO: The Bank of Canada building is pictured in Ottawa June 1, 2010. REUTERS/Chris Wattie/File Photo

Why interest rates cannot fall just yet

1 min read

March 5, 2024

Cropped shot of a senior woman holding a cane in a retirement home

Cropped shot of a senior woman holding a cane in a retirement home

How delaying retirement can boost income for singles

1 min read

February 27, 2024

Shot of a senior couple riding their bicycles at the beach

Shot of a senior couple riding their bicycles at the beach

How delaying retirement can significantly boost your total income

2 min read

February 20, 2024

Starting in January, middle-income earners are going to see a jump in how much they contribute to the Canada Pension Plan. Information regarding CPP is displayed on the Service Canada website in Ottawa on Tuesday, Jan. 31, 2012. THE CANADIAN PRESS/Sean Kilpatrick

Starting in January, middle-income earners are going to see a jump in how much they contribute to the Canada Pension Plan. Information regarding CPP is displayed on the Service Canada website in Ottawa on Tuesday, Jan. 31, 2012. THE CANADIAN PRESS/Sean Kilpatrick

Why women (probably) shouldn’t take their CPP early

1 min read

February 13, 2024

Starting in January, middle-income earners are going to see a jump in how much they contribute to the Canada Pension Plan. Information regarding CPP is displayed on the Service Canada website in Ottawa on Tuesday, Jan. 31, 2012. THE CANADIAN PRESS/Sean Kilpatrick

Starting in January, middle-income earners are going to see a jump in how much they contribute to the Canada Pension Plan. Information regarding CPP is displayed on the Service Canada website in Ottawa on Tuesday, Jan. 31, 2012. THE CANADIAN PRESS/Sean Kilpatrick

Why men (probably) shouldn’t take their CPP early

2 min read

February 6, 2024

Gold nest egg concept for retirement savings and financial planning

Gold nest egg concept for retirement savings and financial planning

Here’s why you should be able to save more money closer to retirement

1 min read

January 30, 2024

A bowl with rice and sticks
Credit: iStockphoto

(Royalty-Free)

Keywords: Rice, Rice, Bowl, Food, Chopsticks, China, Japanese Culture, Japan, Asia, Asian Ethnicity, Field, Ethnic, White

A bowl with rice and sticks
Credit: iStockphoto

(Royalty-Free)

Keywords: Rice, Rice, Bowl, Food, Chopsticks, China, Japanese Culture, Japan, Asia, Asian Ethnicity, Field, Ethnic, White

Around the world, income inequality shortens life spans. Japan, Russia and the U.S. are outliers

2 min read

January 23, 2024

An employee polishes a bar of 23 carat gold at the gold-beating company Noris Blattgold in Schwabach, southern Germany, on December 6, 2023. In the Bavarian city of Schwabach, the production of gold leaf to decorate homes, churches, statues or picture frames has been a widespread craft for many centuries, a unique feature in Germany. But while in the 19th century, hundreds of people in the town were familiar with the art of "stamping" gold leaf, today only two companies remain that can perpetuate these methods - while adapting to modern times. Schwabach hopes to have included the craft of beating gold in UNESCO's Intangible Cultural Heritage - the decision is due in January 2024. (Photo by Michaela Rehle / AFP) (Photo by MICHAELA REHLE/AFP via Getty Images)

An employee polishes a bar of 23 carat gold at the gold-beating company Noris Blattgold in Schwabach, southern Germany, on December 6, 2023. In the Bavarian city of Schwabach, the production of gold leaf to decorate homes, churches, statues or picture frames has been a widespread craft for many centuries, a unique feature in Germany. But while in the 19th century, hundreds of people in the town were familiar with the art of "stamping" gold leaf, today only two companies remain that can perpetuate these methods - while adapting to modern times. Schwabach hopes to have included the craft of beating gold in UNESCO's Intangible Cultural Heritage - the decision is due in January 2024. (Photo by Michaela Rehle / AFP) (Photo by MICHAELA REHLE/AFP via Getty Images)

Is gold a good hedge against inflation?

1 min read