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The Rule of 30: A Better Way to Save for Retirement - Paperback
$26.95
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by Frederick Vettese (Author)
With the cost of buying a home or renting an apartment soaring to previously unseen heights, how can Gen Y even begin to think about saving for retirement? Are your knees knocking? Are you nervously biting your nails? Maybe you don't need to be.
In The Rule of 30, personal finance expert Frederick Vettese provides a surprising -- and hopeful -- answer to balancing the costs of living with the costs of saving for retirement. Through conversations between a young couple and their neighbour, a retired actuary, the couple and the reader discover:- How the future investment climate will differ from the recent past and why it requires a different approach to saving
- The problem with saving a constant percentage of pay
- The Rule of 30 and why it is a more rational and personalized way to save
- Whether investing in real estate is a viable alternative to investing in stocks
- The impact renting versus owning your home has on your retirement savings
The Rule of 30 changes the mindset from saving the same flat percentage of pay to saving when it is most convenient to your situation. In most cases, it means less saving early on while mortgage payments are high and children are costly, and more saving later when our earnings are at their highest and expenses at their lowest. Saving for retirement is a high priority, but it is not the only priority in life. It is time to dispense with old and often unrealistic myths like "just save 10% of your take-home pay." The truth is we should save differently throughout our pre-retirement years -- and The Rule of 30 is a road map for doing so.
Author Biography
Frederick Vettese is the former Chief Actuary of Morneau Shepell (now TELUS Health). He has written hundreds of articles for The Globe and Mail and the National Post, plus four books on Canadian retirement issues. The third edition of Retirement Income for Life is targeted at savers who are retired or nearing retirement and want to turn their life savings into sustainable income. Frederick grew up in Toronto, where he continues to live with his wife, Michelle. He graduated from the University of Toronto with an Honours Bachelor of Science degree before studying to become an actuary.
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Standard U.S. returns are accepted for eligible new, unopened items within 30 days of carrier delivery. Returns are by mail. Customers are responsible for standard return shipping, there is no restocking fee, and standard exchanges are not offered. Once an approved return is received and inspected, the refund is issued to the original payment method within 5 business days. Damaged, defective, or incorrect items are handled at no return-shipping cost to the customer.
Return eligibility is subject to the full policy. Opened, read, or unsealed books with broken seals or visible wear are final sale. Digital downloads, gift cards, and personalized products are non-refundable. Original shipping charges are not refunded for standard returns. Contact us within 7 days of delivery about damaged, defective, or incorrect items.
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