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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

August 29, 2023

A home for sale on Fallingbrook Road in Toronto’s Beach neighbourhood is photographed on Aug 29, 2023. (Fred Lum/The Globe and Mail)

A home for sale on Fallingbrook Road in Toronto’s Beach neighbourhood is photographed on Aug 29, 2023. (Fred Lum/The Globe and Mail)

Is this the most unaffordable time ever to buy a house?

2 min read

August 22, 2023

Senior couple on park bench.

Collection:
iStockphoto
Item number:
96315913
Title:
golden autumn
License type:
Royalty-free
Max file size (JPEG):
10.4 x 6.9 in (3,121 x 2,081 px) / 300 dpi
Release info:
No release required
Keywords:
Aging Process, Autumn, Bench, Color Image, Couple, Gold, Horizontal, Human Age, Outdoors, Park, Park Bench, Photography, Retirement, Season, Senior Adult, Senior Couple, Senior Men, Senior Women, Serene People, Tranquil Scene

Senior couple on park bench.

Collection:
iStockphoto
Item number:
96315913
Title:
golden autumn
License type:
Royalty-free
Max file size (JPEG):
10.4 x 6.9 in (3,121 x 2,081 px) / 300 dpi
Release info:
No release required
Keywords:
Aging Process, Autumn, Bench, Color Image, Couple, Gold, Horizontal, Human Age, Outdoors, Park, Park Bench, Photography, Retirement, Season, Senior Adult, Senior Couple, Senior Men, Senior Women, Serene People, Tranquil Scene

How much does it help to postpone retirement a couple of years?

2 min read

August 15, 2023

Save money in glass jar. Hand throw gold coins in moneybox. Saving deposits. Investment in retirement. Wealth, income concept. Cash falling in bottle

Save money in glass jar. Hand throw gold coins in moneybox. Saving deposits. Investment in retirement. Wealth, income concept. Cash falling in bottle

How hard is it to save enough to retire at age 60?

3 min read

August 2, 2023

Houses with real estate signs are pictured in East York, Toronto, on Tuesday, October 12, 2021. (Christopher Katsarov/The Globe and Mail)

Houses with real estate signs are pictured in East York, Toronto, on Tuesday, October 12, 2021. (Christopher Katsarov/The Globe and Mail)

Should you pay off your mortgage immediately before retiring?

4 min read

July 25, 2023

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.

What are the odds I will die alone?

1 min read

July 18, 2023

Investment stock market Entrepreneur Business Man discussing and analysis graph stock market trading,stock chart concept

Investment stock market Entrepreneur Business Man discussing and analysis graph stock market trading,stock chart concept

What is a better long term investment – stocks and bonds or real estate?

1 min read

July 11, 2023

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

The surprisingly small impact alcohol and diet have on women’s life expectancy

1 min read

July 4, 2023

File #: 4777009
Personal Finance ? Retirement Hz
Holding the retirement nest egg in hands.
Credit: iStockphoto

(Royalty-Free)

Keywords: Retirement, Nest Egg, Pension, Egg, Planning, Finance, Security, Care, Human Hand, Plan, Wealth, Protection

File #: 4777009
Personal Finance ? Retirement Hz
Holding the retirement nest egg in hands.
Credit: iStockphoto

(Royalty-Free)

Keywords: Retirement, Nest Egg, Pension, Egg, Planning, Finance, Security, Care, Human Hand, Plan, Wealth, Protection

Should low-income Canadians save for retirement?

1 min read

June 27, 2023

Rear view of happy mother and daughter standing embracing at window. Senior and mid adult women hugging and talking at home. Family relationships concept

Rear view of happy mother and daughter standing embracing at window. Senior and mid adult women hugging and talking at home. Family relationships concept

How long can Canadian women expect to live?

1 min read

June 20, 2023

Can a couple with $700,000 in assets collect the Guaranteed Income Supplement?

1 min read

June 13, 2023

iSTOCKPHOTO - ROYALTY-FREE

Smoker.

Men, Human Hand, Smoking, Black And White, Old, Senior Adult, Aging Process, Smoking Issues, Close-up

iSTOCKPHOTO - ROYALTY-FREE

Smoker.

Men, Human Hand, Smoking, Black And White, Old, Senior Adult, Aging Process, Smoking Issues, Close-up

Two things affect how long a man will live: smoking and weight

1 min read

June 6, 2023

How has Canada’s divorce rate been changing over time?

1 min read

May 30, 2023

The Canada Pension Plan Investment Board earned a net return of 1.3 per cent in its latest fiscal year as inflation and rising interest rates weighed on both stock and fixed-income markets. Information regarding the Canada 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 earned a net return of 1.3 per cent in its latest fiscal year as inflation and rising interest rates weighed on both stock and fixed-income markets. Information regarding the Canada Pension Plan is displayed on the Service Canada website in Ottawa on Tuesday, January 31, 2012. THE CANADIAN PRESS/Sean Kilpatrick

How much greater is the CPP pension if you wait until 70 to start?

1 min read

May 23, 2023

Porto Ercole village and a harbour in Tuscany, Italy. Italy ranks first in the length of retirement while Canada is near the median.

Porto Ercole village and a harbour in Tuscany, Italy. Italy ranks first in the length of retirement while Canada is near the median.

Which country’s citizens enjoy the longest retirement period?

1 min read

May 16, 2023

Photo of nurse holding her woman patient's hands with painted nails

Photo of nurse holding her woman patient's hands with painted nails

If you retire early, should you start CPP pension immediately to avoid dilution?

1 min read

May 9, 2023

Canadian government bonds are considered boring and safe. But how many people understand how they work?

Canadian government bonds are considered boring and safe. But how many people understand how they work?

Are government bonds a safe and boring investment?

1 min read

May 2, 2023

a woman in her kitchen paying a bill by phone

a woman in her kitchen paying a bill by phone

How to know if your retirement savings are on track

1 min read

April 27, 2023

RRSP is tax deferred savings plan meant to help Canadians save for retirement.

RRSP is tax deferred savings plan meant to help Canadians save for retirement.

opinion

Are Canadians saving enough for retirement? In fact, the number of RRSP contributors is very close to optimal

Frederick Vettese

3 min read

April 25, 2023

Shot of a senior couple going through paperwork at home

Shot of a senior couple going through paperwork at home

Are retirees forced to draw down their RRIF balance too quickly?

1 min read

April 18, 2023

Reminder Mortgage Payment in calendar with blue pen.

Reminder Mortgage Payment in calendar with blue pen.

What percentage of homeowners have paid off their mortgage?

1 min read