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The following article discusses why it's important to save for retirement. The article outlines the importance of financial planning at an early stage. This financial planning includes identifying and comparing income then analyzing expenses to surpluses. Review this information then come up with an action plan. I chose this article because we often think that financial planning for retirement is difficult, but in reality it only takes a few steps in order to plan for your future.

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Importance of Planning for Retirement | Scotiabank

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Will you have adequate funds to provide the kind of retirement you envision, and will you be satisfied with your retirement lifestyle?

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The following video explains an RRSP. The video explains what an RRSP is in very simple terms. A registered retirement savings plan in which you can save money on taxes and money grows on a tax differed basis. When you withdraw funds at retirement you'll be in a lowered bracket, therefor saving you money. I chose this video because it simplifies what an RRSP is and how it works in about 2 minutes. It's a video that anyone has time to watch and can benefit from.

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The image shows two directions in when you become retirement age. I chose this image because a lot of individuals chose to work after retirement age, mainly because they can't afford to retire.

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The imagine gives a visual representation of how a mutual fund works. I chose this image because a lot people don't understand the concept of a mutual fund or they think it's complicated. This breaks it down into something more tangible to understand.

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This image shows that retirement is right around the corner. I choose this image because the younger generation thinks that retirement is a long way. In reality it'll be right around corner before we know it.

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This video compares a mutual fund to a workplace pension. It outlines that a mutual fund can take a long time to grow your money as compared to a workplace pension. Since a lot of workplace pensions match your contributions anywhere between 25%-100%, it's definitely something that's worth it. I chose this video because people are often not aware about workplace pension plans and it's something offered by a majority of Canadian workplaces.

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Canadian Foundation for Advancement of Investor Rights

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Mutual Funds vs Pensions: Which provides for a better retirement?

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According to a new study, high mutual fund fees could cause Canadians to delay their retirement by as much as 11 years or leave them with 40 per cent less money for their retirement. Amanda Lang speaks to Neil Gross of the Canadian Foundation for Advancement of Investor Rights for his take.

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The following article discusses the benefits of a mutual fund. The article outlines five important benefits of a mutual fund. The money is being managed by a professional, it can be diversified into different securities, can be bought and sold quickly, your choice of tolerance when choosing a mutual fund and lastly it's convenient to keep track of. I chose this article because it breaks down the mutual fund into simple non complex terms. The information on liquidity is useful, we often think that once your money is in an investment that it is difficult to get it out, this is not the case with a mutual fund.

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For every stage of life, Manulife Mutual Funds offers a broad range of mutual funds to help match financial needs.

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The following video explains a mutual fund. It summarizes that a mutual fund is for small investors. This fund combines your money with other investors and it is managed by a professional. Your investment is then diversified into different securities, this has it's benefits because if one security is down and the others are rising then your mutual fund with rise. I chose this video because it clearly outlines what a mutual fund is so that you can have an understanding in a very short period of time. The fact that you can chose your tolerance risk is useful because not everyone is comfortable with losing money.

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The following article discusses why it's important to join an RRSP. The article outlines that a retirement savings plan is not only beneficial for retirement, but beneficial currently as well. When investing money into an RRSP it is no longer considered taxable income. When a part of your income is not taxable it means that you can fall into a smaller tax bracket and therefor pay less taxes. I chose this article because we often think that it's RRSPs are for later on in life, but in reality it can save us money today. The example of the tax deferral is useful, it gets you thinking how much you can save.

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registered retirement savings plan plans

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Visit RBC Royal Bank to learn about the tax benefits RRSPs offer throughout your lifetime.