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The Pension Puzzle
John Wiley & Sons Ltd (Verlag)
978-0-470-83430-5 (ISBN)
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Millions of Canadians are covered by pension plans in one form or another whether that's CPP a company plan, or personal RRSPs. But pensions are the benefit least understood by employees. They're confusing and complex, but understanding pensions is crucial to every Canadian's financial security in retirement. Since its initial publication, "The Pension Puzzle" has become the definitive book on the subject.Now completely revised and updated, "The Pension Puzzle" remains a true 'owner's manual' for anyone with a pension plan. This book explains what pensions are; how all the different types work; how government, employer plans, and RRSPs fit together; and how to judge whether your employer's plan is a good one. It shows you how to determine how much income you'll need in retirement; how much government benefits and employer plans will provide for you; and how aggressive you have to be with your own RRSP investments to supplement these other plans. It includes a new chapter on the funding crisis that many plans are facing, as the recent stock market plunge drove many into a serious deficit-how it happened and what it means to you.This book features new information on: federal budget changes to pension and RRSP limits; changes in pension standards and regulations; pension plans that are not fully indexed for inflation; LIRAs, LIFs, and LRIFS; websites and other references; and much more.
It helps you make sound decisions about your pension plan and how it affects your financial future, whether you are planning your retirement, changing jobs, handling a divorce, or making decisions about early retirement. This book includes practical forms and worksheets, tips, and examples. "The Pension Puzzle" is not just for those about to retire. It's for every working Canadian who needs to make decisions about their pension plan and how it affects their financial future.
Bruce Cohen established himself as one of Canada's top personal finance writers when he was personal finance columnist for the Financial Post. He is a freelance writer for financial companies and the author of the bestseller, The Money Adviser. Brian FitzGerald is a prominent actuary and expert in retirement program design and operation. He recently retired as a principal from one of Canada's leading pension and benefits consulting firms.
Preface.PART ONE: THE PIECES OF THE PUZZLE.Chapter 1. How Much, How Long?Chapter 2. Are You on a Tricycle or a Bicycle?Chapter 3. Government Benefits: Cash for Life.Chapter 4. CPP: Pension Plan or Pyramid Scheme?Chapter 5. The Tax Shelter Umbrella.Chapter 6. Employer Plans: Overlooded value.Chapter 7. Pensio Tension.Chapter 8. Your Own Plan: RRSPs, RRIFs and Annuities.Chapter 9. Will It Be STEW for You? PART TWO: THE REAL NITTY GRITTY.Chapter 10. Who Makes the Rules?Chapter 11. When Can You Join the Plan-and Who Pays How Much?Chapter 12. What Happens to the Money?Chapter 13. When Can You Retire?Chapter 14. What Do You Get in Retirement?Chapter 15. What If You're Highly Paid?Chapter 16. What Happens If You Change Jobs?Chapter 17. LIRAs, LIFs and LRIFs.Chapter 18. What about Death and Disability?Chapter 19. What Happens If Your Marriage Ends?Chapter 20. Can Your Employer Change the Plan? Appendix A: Canada's International Benefits Agreements.Appendix B: Highlights: Minimum Pension Standards.Appendix C: Who's a Spouse for Pension Purposes?Appendix D: Retirement-Related Links.Appendix E: The Actuarial Report: Keeping a DB Plan Healthy.Glossary.Index.
Erscheint lt. Verlag | 12.7.2005 |
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Zusatzinfo | Illustrations |
Verlagsort | Chichester |
Sprache | englisch |
Maße | 180 x 253 mm |
Gewicht | 460 g |
Themenwelt | Wirtschaft ► Betriebswirtschaft / Management ► Finanzierung |
ISBN-10 | 0-470-83430-7 / 0470834307 |
ISBN-13 | 978-0-470-83430-5 / 9780470834305 |
Zustand | Neuware |
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