Turn savings into a paycheque
Plan retirement income
For people approaching retirement or already retired.Learn how spending, pensions, withdrawals and investments can work together—and what needs regular review.
Suggested sequence
Learn one decision at a time.
Read in order, skip ahead or use one article to answer today’s question.
- 1Available · 8 min readRead
How Investing Changes When Withdrawals Begin
Understand why withdrawals and market changes need to be reviewed together.
- 2Available · 5 min readRead
What Are CPP, OAS and GIS? How Are They Different?
Understand the broad connection behind CPP, OAS and GIS before checking your own eligibility and estimates.
- 3Available · 6 min readRead
What Is GIS and Who May Qualify?
Understand the broad GIS eligibility map and know which current details to confirm with Service Canada.
- 4Available · 7 min readRead
When Should I Start OAS?
Understand the trade-off between receiving OAS sooner and a larger payment later.
- 5Available · 7 min readRead
When Should I Start CPP?
Understand what changes when CPP begins earlier or later.
- 6Available · 8 min readRead
What Is the OAS Recovery Tax?
See why income level and timing can affect the OAS ultimately kept.
- 7Available · 8 min readRead
What Happens to My RRSP When I Turn 71?
Understand the available RRSP transition choices and the questions to confirm.
- 8Available · 8 min readRead
What Is a RRIF and When Do I Need One?
Understand the RRSP-to-RRIF transition and how RRIF cash flow enters a retirement plan.
- 9Available · 8 min readRead
How Do I Turn Retirement Savings Into Monthly Income?
Connect retirement spending with dependable income and flexible portfolio withdrawals.
- 10Available · 7 min readRead
Could a Life Annuity Provide Part of My Retirement Income?
Understand where a quoted life annuity may fit beside benefits, pensions, spending and an invested portfolio.
- 11Available · 7 min readRead
How Might Staying, Downsizing or Renting Affect My Retirement Plan?
Separate ongoing housing costs, transition costs and home equity before comparing a change.
See the complete learning path
- Essential and Flexible Retirement SpendingComing soon
- How Pensions, Withdrawals and Spending Fit TogetherComing soon
- Reviewing Retirement Income After a Life ChangeComing soon
Put the idea beside your numbers
Use the related planning tool when you are ready.
The tool lets you explore your own estimates. Reading is optional, and opening it does not choose a strategy or change a saved plan.