{"title":"Frederick Vettese","description":null,"products":[{"product_id":"essential-retirement-guide-book-frederick-vettese-9781119111122","title":"The Essential Retirement Guide","description":"Retirement planning is difficult enough without having to contend with misinformation. Unfortunately, much of the advice that is dispensed is either unsubstantiated or betrays a strong vested interest. In The Essential Retirement Guide, Frederick Vettese analyses the most fundamental questions of retirement planning and offers some startling insights. The book finds, for example that:     Saving 10 percent a year is not a bad rule of thumb if you could follow it, but there will be times when you cannot do so and it might not even be advisable to try. Most people never spend more than 50 percent of their gross income on themselves before retirement; hence their retirement income target is usually much less than 70 percent. Interest rates will almost certainly stay low for the next 20 years, which will affect how much you need to save. Even in this low-interest environment, you can withdraw 5 percent or more of your retirement savings each year in retirement without running out of money. Your spending in retirement will almost certainly decline at a certain age so you may not need to save quite as much as you think. As people reach the later stages of retirement, they become less capable of managing their finances, even though they grow more confident of their ability to do so! Plan for this before it is too late. Annuities have become very expensive, but they still make sense for a host of reasons.   In addition, The Essential Retirement Guide shows how you can estimate your own lifespan and helps you to understand the financial implications of long-term care. Most importantly, it reveals how you can calculate your personal wealth target - the amount of money you will need by the time you retire to live comfortably. The author uses his actuarial expertise to substantiate his findings but does so in a jargon-free way.","brand":"WoB","offers":[{"title":"GB \/ NEW \/ GARDNERS","offer_id":49731350003985,"sku":"NGR9781119111122","price":0.0,"currency_code":"GBP","in_stock":false},{"title":"US \/ WELL_READ \/ SBYB","offer_id":50377590702353,"sku":"CIN1119111129A","price":0.0,"currency_code":"GBP","in_stock":false},{"title":"US \/ GOOD \/ SBYB","offer_id":50377592832273,"sku":"CIN1119111129G","price":0.0,"currency_code":"GBP","in_stock":true},{"title":"US \/ VERY_GOOD \/ SBYB","offer_id":51416882053393,"sku":"CIN1119111129VG","price":0.0,"currency_code":"GBP","in_stock":false},{"title":"GB \/ VERY_GOOD \/ INTERNAL","offer_id":51838439981329,"sku":"GOR007345588","price":0.0,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/4072\/6801\/files\/1119111129.jpg?v=1750709702"},{"product_id":"russia-discovered-book-angus-calder-9780435180997","title":"Russia Discovered","description":null,"brand":"WoB","offers":[{"title":"GB \/ WELL_READ \/ INTERNAL","offer_id":50109778886929,"sku":"GOR007799677","price":0.0,"currency_code":"GBP","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/4072\/6801\/files\/0435180991.jpg?v=1750910049"},{"product_id":"retirement-income-for-life-book-frederick-vettese-9781770417175","title":"Retirement Income for Life","description":"\u003cb\u003e\"Fred Vettese is the king of can-do retirement planning. Practical, clear advice from someone who knows what you're up against and has the answers.\" -- Rob Carrick, \u003ci\u003eGlobe and Mail\u003c\/i\u003e\u003c\/b\u003e\u003cbr\u003e \u003cbr\u003e \u003cb\u003eCanada's most trusted resource on retirement income is now updated for tumultuous times.\u003c\/b\u003e\u003cbr\u003e \u003cbr\u003e As the global economy faces uncertainty in the face of high inflation -- at levels not seen since the 1980s -- individuals in retirement or near to it are understandably anxious about their long term-prospects. Canadians need the tools to make better-informed choices to turn their retirement savings into retirement income for life.\u003cbr\u003e \u003cbr\u003e This completely revised and updated third edition:\u003cbr\u003e \u003cul\u003e \u003cli\u003eExplains how higher interest rates and higher inflation present both new opportunities and new challenges to retirees\u003c\/li\u003e \u003cli\u003eIllustrates how the expansion of the CPP (which started in 2019) will affect upcoming retirees\u003c\/li\u003e \u003cli\u003eExamines the impact of inflation on the deferral of CPP and OAS pensions\u003c\/li\u003e \u003cli\u003eExplores whether life annuities are still relevant and asks whether there are better products on the market\u003c\/li\u003e \u003cli\u003eProvides a revamped retirement calculator\u003c\/li\u003e \u003c\/ul\u003e \u003cbr\u003e Actuary Frederick Vettese demystifies a complex and often frightening subject and provides practical, actionable advice. With over one thousand Canadians turning 65 every day, the cultivation of good decumulation practices -- the way in which you draw down assets in retirement--has become an urgent matter that no one can afford to ignore.","brand":"WoB","offers":[{"title":"US \/ GOOD \/ SBYB","offer_id":50113451491601,"sku":"CIN1770417176G","price":0.0,"currency_code":"GBP","in_stock":false},{"title":"US \/ NEW \/ INGRAM","offer_id":51049557328145,"sku":"NIN9781770417175","price":0.0,"currency_code":"GBP","in_stock":true},{"title":"GB \/ NEW \/ GARDNERS","offer_id":51766705946897,"sku":"NGR9781770417175","price":0.0,"currency_code":"GBP","in_stock":true},{"title":"US \/ WELL_READ \/ SBYB","offer_id":53549132415249,"sku":"CIN1770417176A","price":0.0,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/4072\/6801\/files\/1770417176.jpg?v=1751279196"},{"product_id":"retirement-income-for-life-book-frederick-vettese-9781770416024","title":"Retirement Income for Life","description":"\u003cp\u003eFred Vettese is the king of can-do retirement planning. Practical, clear advice from someone who knows what you're up against and has the answers. -- Rob Carrick, \u003ci\u003eThe Globe and Mail\u003c\/i\u003e\u003c\/p\u003e \u003cp\u003ePlanning for how best to draw down your nest egg -- the 'decumulation' phase -- is a part of retirement planning that often gets neglected. The second edition of Fred Vettese's book focuses on this topic and is an important addition to the retirement finance literature. I recommend taking a close look at what Fred has to say about what he terms financial 'enhancements, ' including: reducing investment fees, deferring government pensions, annuities, and reverse mortgages. \u003cb\u003e-- \u003c\/b\u003eDavid Aston, contributing columnist with the \u003ci\u003eToronto Star \u003c\/i\u003eand author of \u003ci\u003eThe Sleep-Easy Retirement Guide\u003c\/i\u003e\u003c\/p\u003e \u003cp\u003eCanada's #1 bestselling retirement income book is now completely revised and updated. With over one thousand Canadians turning 65 every day, the cultivation of good decumulation practices -- the way in which you draw down assets in retirement, ideally to have a secure income for the rest of your life -- has become an urgent matter that no one can afford to ignore. As COVID-19 rocks the economy in an unprecedented black\u003c\/p\u003e \u003cp\u003eswan event, retirees and those who are preparing to retire need answers to pressing questions about their financial futures. Frederick Vettese demystifies a complex and often frightening subject and provides practical, actionable advice based on five enhancements the reader can make to mitigate risk and secure their financial future.\u003c\/p\u003e \u003cp\u003e\u003ci\u003eRetirement Income for Life, Second Edition\u003c\/i\u003e includes: \u003c\/p\u003e\u003cul\u003e \u003cli\u003eNew chapters on early retirement, retiring single, what to do when one spouse dies young, and more.\u003c\/li\u003e \u003cli\u003eIdeas for coping with black swan events, like the recent pandemic, that may affect your retirement income.\u003c\/li\u003e \u003cli\u003eThe reasons retirees should be deferring CP until age 70 and why the case for this is stronger than ever.\u003c\/li\u003e \u003c\/ul\u003e ","brand":"WoB","offers":[{"title":"US \/ WELL_READ \/ SBYB","offer_id":50390488056081,"sku":"CIN1770416021A","price":0.0,"currency_code":"GBP","in_stock":false},{"title":"US \/ GOOD \/ SBYB","offer_id":50400897466641,"sku":"CIN1770416021G","price":0.0,"currency_code":"GBP","in_stock":true},{"title":"US \/ VERY_GOOD \/ SBYB","offer_id":50764948537617,"sku":"CIN1770416021VG","price":0.0,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/4072\/6801\/files\/1770416021.jpg?v=1750832320"}],"url":"https:\/\/www.worldofbooks.com\/collections\/author-books-by-frederick-vettese.oembed","provider":"World of Books ","version":"1.0","type":"link"}