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The pension puzzle : your complete guide to government benefits, RRSPs, and employer plans

Author: Bruce Cohen; Brian FitzGerald
Publisher: Etobicoke, Ont. : J. Wiley and Sons, ©2002.
Edition/Format:   Print book : EnglishView all editions and formats

A recent study found that pension plans were the benefit least understood by employees. This title explains for the layperson how to make sound decisions about their financial future. It discusses  Read more...


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Material Type: Internet resource
Document Type: Book, Internet Resource
All Authors / Contributors: Bruce Cohen; Brian FitzGerald
ISBN: 0471646423 9780471646426
OCLC Number: 48163562
Notes: Includes index.
Description: xii, 212 pages : illustrations ; 26 cm
Contents: Preface PART ONE: The Pieces of the Puzzle Chapter 1: How Much, How Long? Income Replacement Ratio Life Expectancy Relating Concepts to Cash Worksheet 1: How Much Do You Need for Retirement? Worksheet 2: Where Does Your Money Go? Chapter 2: Are You on a Tricycle or a Bicycle? The Government Wheel The Employer Wheel The Personal Wheel Worksheet 3: Where Will You Get Your Retirement Money? Chapter 3: Government Benefits: Cash for Life Why Does OAS Exist? How Does OAS Work? How Much Can You Expect? What About the Clawback? Worksheet 4: How Deep Does the Clawback Bite? Can OAS Be Received Outside Canada? Can You Count on Getting OAS? Worksheet 5: What Can You Expect from OAS? Low--Income Supplements Guaranteed Income Supplement Spouse's Allowance Survivor's Allowance How Do These Supplements Work? How Much Can You Expect? Provincial Low--Income Supplements Worksheet 6: The Price of Pessimism: OAS Chapter 4: CPP: Pension Plan or Pyramid Scheme? Calculating Your C/QPP Pension Worksheet 7: Your C/QPP Contributory Period So Far But You Don't Have to Wait Until 65 to Start Your Pension Worksheet 8: What Can You Expect So Far from C/QPP? Splitting Your Pension-- Voluntarily or Otherwise If Your Marriage Splits Up, Your C/QPP Credits May Split Up Too If You're Still Together at Retirement Time, There's a Way to Potentially Save Tax But None of this Matters if CPP Goes Broke, Right? Worksheet 9: The Price of Pessimism: C/QPP Chapter 5: The Tax Shelter Umbrella Are RRSP Limits Too High? Pension Adjustment (PA) The Factor of 9 Pension Adjustment Reversal (PAR) Past Service Pension Adjustment (PSPA) Is Your 18% Umbrella Big Enough? So, Is the System Fair? Chapter 6: Employer Plans: Overlooked Value Defined Benefit Registered Pension Plans (DB RPPs) Final Average Earnings Plans Career Average Earnings Plans Flat Benefit Plans-- Multi--Employer Plans Flexible Pensions Money Purchase Plans Defined Contribution Registered Pension Plans (DC RPPs) Group RRSPs (G--RRSPs) Personal RRSPs Deferred Profit Sharing Plans (DPSPs) Which Plan is Best? Which Plan is Easiest to Understand? Which Plan Offers the Greatest Security? Which Plan is Best for Mobile Workers Who Change Employers? Which Plan Offers the Best Deal for Retirees? Which Plan is Best for Your Spouse? Hybrid and Combination Plans Worksheet 10: Pension Plan Shopping List Chapter 7: Your Own Plan: RRSPs, RRIFs and Annuities Tips for RRSPs Tips for Both RRSPs and RRIFs Tips for RRIFs and Annuities Chapter 8: Will It Be STEW for You? Not Cast in Stone Reasonable Returns Fudge It Worksheet 11: What Should You be Saving for Retirement? PART TWO: The Real Nitty Gritty Chapter 9: Who Makes the Rules? Where Do You Find the Rules? Annual Pension Statement Chapter 10: When Can You Join the Plan-- and Who Pays How Much? Full--Time versus Part--Time Mandatory versus Optional Plans Should You Join the Plan if It's Optional? Who Pays? Defined Contribution Plans Defined Benefit Plans Past Service Contributions Chapter 11: What Happens to the Money? The F--Word: Fiduciary Pension Fund Audit How Do You Know You'll Get the Pension Promised? Who Owns the Surplus? Partial Plan Wind--Ups Chapter 12: When Can you Retire? The Early Retirement "Penalty" Past Service Pension Credits Phased Retirement Chapter 13: What Do You get in Retirement? Defined Contribution Plan Purchasing a Life Annuity Lump Sum Transfer to Another Registered Vehicle Defined Benefit Plan Final Average Plan Career Average Plan Flat Benefit Plan Reciprocal Agreements Integration With C/QPP Bridge Benefits Approved Downsizings Pregnancy and Parental Leave Flexible Pension Plans Hybrid and Combination Plans Chapter 14: What If You're Highly Paid? Supplementary Employee Retirement Plan (SERP) Documentation Pension Due Vesting Funding How Strong Are the Ties That Bind? Secular Trust Individual Pension Plan (IPP) Chapter 15: What Happens If You Change Jobs? Vesting Locking--In Option #1: Stay Put Option #2: Transfer the Money to Your New Employer s Pension Plan Option #3: Transfer the Money to an Insurance Company to Buy an Annuity Option #4: Transfer the Money to a Special RRSP or RRIF Is There Any Way Just to Take the Money and Run? Job Transfers Out of Canada Chapter 16: LIRAs, LIFs and LRIFs Why Were L--Plans Created? Which L--Plan Rules Apply? Can You Consolidate L--Plans? Be Careful About Fees What About Early Access? Chapter 17: What About Death and Disability? Beneficiary Designations Beneficiaries and the Tax Man Pre--Retirement Death Death During Retirement Joint and Survivor Pensions Guaranteed Payments Cash Refund Plans What About Pre--Retirement Disability? Chapter 18: What Happens If Your Marriage Ends? Chapter 19: Can Your Employer Change the Plan? Conversions Winding Up What if Your Employer Is Sold? What if Your Employer Fails? Appendix A: Canada's International Benefits Agreements Appendix B: Highlights: Minimum Pension Standards Appendix C: Who's a Spouse for Pension Purposes? Appendix D: Retirement--Related Links Appendix E: The Actuarial Report: Keeping a DB Plan Healthy Glossary Index
Responsibility: Bruce Cohen & Brian FitzGerald.
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