Guide to Retirement

The single most important decision individuals can make about retirement is to take responsibility for funding it themselves. Living expenses, health care costs, Social Security, pensions and future employment are all uncertain. But saving today is one way to prepare for a more stable tomorrow. Determining income needs during retirement is a complex equation. During working years, the goal was to save and accumulate as much as possible for the future. Now the challenge becomes managing a portfolio by withdrawing some money for today’s expenses and investing the rest for tomorrow. Invest for long-term growth potential and consider investing in a broader mix of assets. Financial risks don’t end when careers do. Individuals planning for a long, rewarding retirement must anticipate and overcome the obstacles that are likely to arise along the way.

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Economical Insurance

Founded in 1871, we’ve been protecting Canadians’ homes, cars, businesses, and farms for a long time now. We’re a company that imagines bigger and better things, which inspires us to take chances, think innovatively, evolve, and adapt. Our passion and desire to make a difference is evident in everything we do.

OTHER WHITEPAPERS
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Conversational Banking: The next revolution in banking experience

whitePaper | December 10, 2019

Customer interaction and channel preferences have experienced significant changes over time and are constantly evolving and expanding across all industries, including banking. To consolidate customer satisfaction and cultivate customer advocacy, banks must endeavour to continue to meet these changing needs through use of innovative and progressive technology

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Australian CBDC Pilot for Digital Finance Innovation

whitePaper | September 26, 2022

The RBA is Australia’s central bank. Its duty is to contribute to the stability of the currency, full employment and the prosperity and welfare of the Australian people. It does this by conducting monetary policy to meet an agreed inflation target, works to maintain a stable financial system, acts as banker to the Australian Government, regulates the payments system and issues the nation’s currency. Over the past few years, the RBA has been exploring whether there is a role for a CBDC in Australia in the context of the RBA’s responsibilities for issuing the currency and overseeing the development of the payments system. The RBA is an industry partner of the DFCRC, and is using its involvement to support its research on CBDC.

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IBM Cloud for Financial Services

whitePaper | March 29, 2023

Today, the financial services industry faces numerous disruptive forces, including ever-increasing customer demand for innovative and personalized services; intense competition from technology companies, fintechs and incumbents; rising regulatory pressure; increasing cybersecurity threats; and the need for skilled talent to address all the above.

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Buy Now, Pay Later: Market trends and consumer impacts

whitePaper | September 15, 2022

Consumers have long used credit instruments to purchase goods and services. In recent years, a fast-growing alternative to credit cards has emerged in a number of developed economies around the world, including in the United States. This alternative is marketed as “Buy Now, Pay Later” (BNPL).

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Building Something Great to Go Somewhere Great: HOW PRIVATE COMPANY FINANCE FUNCTIONS ARE Adapting to Scale for Growth, Exit Opportunities

whitePaper | August 25, 2022

The exit whether it’s an initial public offering (IPO), being absorbed into a special purpose acquisition company (SPAC), or an outright sale is now a strategic goal for many private company executive teams. With many private equity funds nearing the end of their holding period, finance professionals are increasingly being relied on to navigate the complicated liquidity event and provide the critical oversight needed when developing a company’s new internal control environment.

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REARCHITECTING AND SIMPLIFYING POST-TRADEOPERATIONS

whitePaper | August 15, 2020

Capital markets institutions have traditionally devoted the bulk of their mind and wallet share on front office revenue-generating activities. Post-trade operations have been overlooked; they are mired in legacy systems and siloed operations that require significant manual intervention, making it a critical source of inefficiency and operational risk. As revenue streams are challenged by uncertain economics and growing competition, post-trade operations are coming under scrutiny for reducing costs, boosting margins, and improving return on equity.

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Spotlight

Economical Insurance

Founded in 1871, we’ve been protecting Canadians’ homes, cars, businesses, and farms for a long time now. We’re a company that imagines bigger and better things, which inspires us to take chances, think innovatively, evolve, and adapt. Our passion and desire to make a difference is evident in everything we do.

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