如何在加拿大养老?
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给艰苦扛贷工薪阶层（特指如俺一般感觉工作不是享受，是挣钱谋生，远不是自我实现回报社会的一群:blowzy:）推荐一本书「Why swim with the sharks?」我个人很受启发，也有很大的观念转变，并且受到鼓舞--调整期望值，改变生活方式，早退休，安享退休生活，貌似不是那么遥不可及。:blink:
Book Description
Publication Date: May 1, 2005
Don’t think you can afford to retire early? Conventional wisdom assumes baby boomers will continue consuming their way through life. This requires the right mix of investments earning high returns, so you can save that million you need.
Why swim with the sharks? is an alternative guide to your early retirement. It’s full of common sense financial wisdom that will keep you firmly on track to early retirement, 10 years sooner than you think.
Forget conventional retirement advice. You don’t need complicated investment strategies or high-risk mutual funds. There is an easier way to riches, and retiring early. Curb your spending instead. You can retire early even if your investments are only earning 3% returns and you just started saving in middle age.
In Why swim with the sharks? you’ll learn how to:
- Avoid 7 retirement myths that will keep you working and saving years longer than you need to.
- Take control of your money and re-order your priorities.
- Live a greener and more sustainable way of life.
- Live for today so you can enjoy tomorrow.
这个书评写的挺中肯。
http://www.milliondollarjourney.com/book-review-why-swim-with-the-sharks.htm
Book Description
Publication Date: May 1, 2005
Don’t think you can afford to retire early? Conventional wisdom assumes baby boomers will continue consuming their way through life. This requires the right mix of investments earning high returns, so you can save that million you need.
Why swim with the sharks? is an alternative guide to your early retirement. It’s full of common sense financial wisdom that will keep you firmly on track to early retirement, 10 years sooner than you think.
Forget conventional retirement advice. You don’t need complicated investment strategies or high-risk mutual funds. There is an easier way to riches, and retiring early. Curb your spending instead. You can retire early even if your investments are only earning 3% returns and you just started saving in middle age.
In Why swim with the sharks? you’ll learn how to:
- Avoid 7 retirement myths that will keep you working and saving years longer than you need to.
- Take control of your money and re-order your priorities.
- Live a greener and more sustainable way of life.
- Live for today so you can enjoy tomorrow.
这个书评写的挺中肯。
http://www.milliondollarjourney.com/book-review-why-swim-with-the-sharks.htm
如果６７岁之前退休，生活费用就要从自己存的RRSP或者公司PENSION里出。６７岁之后退休， 除了以上的存款，每个加拿大公民可以从政府领取～６００CDN OAS（具体数目取决于居住在加拿大的时间）， 如果是低收入人士， 还可以从政府领取～５００CDN GIS， 这两项加起来有～１０００CND左右。
再来看看退休时的花费，加拿大的学术机构作过调查，一对夫妻最低需要～２４０００每年， 所以即使不存钱， 也不用担心养老。 但是要过上好一点的生活（比如定期旅游， 下饭馆，看演出， 等等）那末，就需要多一些， 调查表明对夫妻需要～４５０００以上。 当然， 要过LUXURY生活是没顶的。
再来看看退休时的花费，加拿大的学术机构作过调查，一对夫妻最低需要～２４０００每年， 所以即使不存钱， 也不用担心养老。 但是要过上好一点的生活（比如定期旅游， 下饭馆，看演出， 等等）那末，就需要多一些， 调查表明对夫妻需要～４５０００以上。 当然， 要过LUXURY生活是没顶的。
