Starting over at 68

68-year-old's net worth less than value of his house

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Volatility a risk factor

Highly variable income and lack of investment plan.

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False sense of security

In Quebec, a couple we'll call Charles, 46, and Marianne, 45, have lived a life of few financial cares and not much worry about the future. They have banked on the benefits of their employers' pension plans and given short shrift to savings.

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Ask the finance expert: where should surplus go?

Where should surplus go when mortgage is paid off?

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Consider location with asset allocation

As you sort through the maze of options for your contribution this RRSP season, keep in mind that managing your portfolio involves two important decisions: Asset allocation and asset location.

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Should savers postpone CPP?

Sonia plans to retire when she turns 60. Her mortgage will be paid off by then and she will have substantial savings in her RRSP. Should she start her Canada Pension Plan pension at age 60 or wait?

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Job security is key to reader’s financial planning

Here’s a reader’s personal finance question: I’m 43, have managed to save six to eight months of contingency money which is in a Tax Free Savings Account, I don’t have any long-term debt because I rent and I pay my credit cards off monthly. I live within my means by forgoing a car and those related expenses, and have reduced habits like eating out too often.

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Catch-up loans make sense if you have RRSP room

Security in your 'golden' years

As long as public supports stay more or less as they are, the question isn't whether you can afford to retire at age 65 or beyond. No elderly Canadian who manages money with any care at all is at risk of death from hunger or lack of necessities when the paycheques stop.

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No retirement at 65 for this guy

Family Finance: With four children and a wife to support, this executive still has a pretty nifty plan to downsize his career by the time he is in his early 50s

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