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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 18, 2019

opinion

Here’s what Ottawa is getting wrong on pensions

Frederick Vettese

4 min read

July 10, 2019

Traders and financial professionals work ahead of the closing bell on the floor of the New York Stock Exchange on Jan. 29, 2019 in New York City.

Traders and financial professionals work ahead of the closing bell on the floor of the New York Stock Exchange on Jan. 29, 2019 in New York City.

After a decade of blockbuster U.S. stock returns, here’s what history suggests the odds are for a pullback

June 18, 2019

Should I invest in an advanced life deferred annuity, or are there better options available?

Should I invest in an advanced life deferred annuity, or are there better options available?

Here’s how to find out if you’d benefit from Ottawa’s new annuity initiative

May 27, 2019

Planning for retirement? Think outside the box and avoid the great annuity paradox

February 20, 2019

How do these two pension plans compare?

How do these two pension plans compare?

opinion

How does the Ontario Teachers’ pension plan stack up against the federal public servants version?

Frederick Vettese

January 27, 2019

It’s time to rethink the 60-40 portfolio asset mix

November 23, 2018

Benefits paid to retirees are an overlooked example of how employers are backpedalling like mad from the commitment they once had to help their workers pay for retirement.

Benefits paid to retirees are an overlooked example of how employers are backpedalling like mad from the commitment they once had to help their workers pay for retirement.

opinion

The expanded CPP will not narrow the gap between public and private sector pensions

Frederick Vettese

November 8, 2018

The one factor outside of your control is the worry that the future could be fundamentally different than the past

The one factor outside of your control is the worry that the future could be fundamentally different than the past

How much do you need to save for retirement? Here’s what historical data show

October 4, 2018

Retired couple sitting on a 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

Retired couple sitting on a 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

The extinction of defined-benefit pension plans is almost upon us

September 11, 2018

Retirees need to chalk out their savings beforehand to avoid worrying about how much they'll spend after retirement

Retirees need to chalk out their savings beforehand to avoid worrying about how much they'll spend after retirement

opinion

You can probably spend more in retirement

Frederick Vettese

May 23, 2018

When it comes to pensions, Ottawa and the public service are setting an example no one else should follow.

When it comes to pensions, Ottawa and the public service are setting an example no one else should follow.

opinion

When it comes to pensions, don’t follow Ottawa’s example

Frederick Vettese

April 26, 2018

Two senior citizens enjoy the early morning calm of the Gulf of Mexico in Florida.

Two senior citizens enjoy the early morning calm of the Gulf of Mexico in Florida.

Retirees, you’re not spending as much as you should be

April 17, 2018

Why do retirees fear taking CPP late?

December 21, 2017

Are you ready to retire?

Are you ready to retire?

The truth about whether CPP will be there for you in retirement

November 6, 2017

opinion

Few Canadians are destined to hit their retirement income ‘sweet spot’

Frederick Vettese

September 18, 2017

Finance Minister Bill Morneau. If the federal government really wants to make a dent in the deficit and promote fairness, they should consider what can be done in their own backyard.

Finance Minister Bill Morneau. If the federal government really wants to make a dent in the deficit and promote fairness, they should consider what can be done in their own backyard.

If proposed tax rules are about fairness, federal civil servants should be next

FREDERICK VETTESE

July 2, 2017

Market timing might be a waste of time and certainly not something that amateur investors should be trying.

Market timing might be a waste of time and certainly not something that amateur investors should be trying.

Two charts that prove once and for all that timing the market is pointless

June 20, 2017

The CPP contains some quirky rules that can be detrimental to your financial security, or that of your spouse if he or she survives you. The federal government can and probably should do something to fix them. If you haven’t heard about them before, it is because some of these rules are rather obscure.

The CPP contains some quirky rules that can be detrimental to your financial security, or that of your spouse if he or she survives you. The federal government can and probably should do something to fix them. If you haven’t heard about them before, it is because some of these rules are rather obscure.

Is the Canada Pension Plan fair? Hardly

FREDERICK VETTESE

April 27, 2017

The government works in mysterious ways. The intent behind some of their pension rules is mystifying at best and counterproductive at worst.

The government works in mysterious ways. The intent behind some of their pension rules is mystifying at best and counterproductive at worst.

Working past 65? Beware this Canada Pension Plan oddity

March 9, 2017

Senior sitting in her garden

Senior sitting in her garden

Why people hate the thought of deferring their CPP pension