early retirement posts

Early Retirement with Kids
If you think that having kids makes it harder to retire early, you're right. But a guest blogger over at Canadian Dream: Free at 45 says that there are some ways that having kids makes retiring early easier. Read about his family's approach to saving money while having kids.

Where Do You Include Dividends in Asset Allocation?
In a classic asset allocation model, there are essentially 2 types of assets: Asset class A: Fixed income and Asset class B: Equities. Fixed income assets are pretty easy to define because they all pay a steady interest income. Equities are shares issued by public companies. Dividends could fall into both camps. So where do you put a share of a public company paying steady dividends? The Dividend Guy explains how he sees this.

Exchanging Time for Money
Do you value time more than money? Our friends over at Canadian Dream: Free at 45 discuss how this might make you a candidate for early retirement. Find out why.

Health Care REITs – Are They Healthy For Your Portfolio?
There are different ways to invest in Real Estate Investment Trusts - some with their own specialties, such as commercial buildings and shopping malls. One alternative is Healthcare REITs. The Dividend Guy explores how you can assess whether Health care REITs are healthy for your portfolio.

A new study by the Institute for Research on Public Policy (IRPP) says older Canadians who are laid off work struggle to find new jobs. Or rather, they struggle to find appropriate jobs. At the time of being laid off, many older workers have years of seniority, yet the jobs available to them are often lower paying than their previous jobs. Rather than take lower-paying jobs, many older laid-off Canadians feel forced into early retirement.

The study, Labour-Force Participation of Older Displaced Workers in Canada: Should I Stay or Should I Go?, says this premature retirement will reduce Canada's economic growth and put additional pressure on private and government pension plans.

Pay Cuts for Older Canadians
Canadians aged 45 to 64 who return to work after being laid off end up earning an average of 40% less than they earned at their previous jobs. This statistic is in contrast to what happens to younger workers who return to work after being laid off, many of whom find new jobs at the same or higher salaries, and that salary often grows over time.