本文章為The Maple Couple 和 AC Wealth 合作創作，如希望理解更多有關AC Wealth 的服務，可瀏覽: www.acwealth.ca.
根據調查顯示*，加拿大有90%人沒有為日後的理想退休生活的作出計劃 。直到2030年，加拿大的人均壽命預計男性為83.9歲，而女性則爲87.1歲** 。到底在加拿大生活，如何能為退休生活開始做準備？
理想的退休的生活到底是什麽一回事？
你會希望在退休後能夠每年冬天多去幾次旅行，或花更多時間在較溫暖的地方過冬嗎？你希望夏天能夠駕艘船出出海，或冬天北上滑滑雪嗎？你希望晚年能夠到較好的護老院生活嗎？你認爲，究竟多少的資金才足夠你的理想退休生活？
很多人都認爲，加拿大擁有退休金制度，因此不需為退休而煩惱。
Old Age Security (OAS)
其實，其中一個較為大衆化的老年金為65歲開始提取的Old Age Security （OAS）。如你退休後希望在國外生活，就必須在65歲前於加拿大定居超過20年，才可以拿到OAS；就算希望退休後留在加國生活，也需要在65歲前於加拿大定居超過10年，才可得到OAS。
而且，你於加拿大居住時間越長，65歲後所得的OAS會越多。反而，如你是四、五十歲後才在加拿大生活的話，OAS 將會按比例減少。2020年加拿大國民每月所得的OAS 最高約為$613加元。可押後提取OAS的最大年紀為70歲。
Canada Pension Plan (CPP)
另外，如你和你的雇主於就職期間有為Canada Pension Plan (CPP)進行供款的話，於65歲開始便能開始每月提取CPP，直到百年歸老爲止。2020年加拿大國民每月平均提取約$679加元的CPP。CPP可提早到60歲提取，或延後至最遲70歲開始提取。***
加拿大退休生活洗費統計
根據2016年的一項調查，在加拿大退休人士平均每年花費約$31,332加元^，即每月使費約為$2,611加元。
我們假設在沒有通脹下，閣下在退休後每月能得到$613 元的OAS 和 $679元的CPP，一共可每月提取$1,292 加元，也即是説，每月另至少需要從儲蓄中提取最少$1,300作爲額外洗費。
這只是較爲一般的退休生活的計算方法，這與你的理想退休生活絕對有一定的差距，而且，我們並沒有把通脹放進内計算，届時實質每月退休所需洗費可能較高。
你可能說，加拿大擁有免費醫療制度，在晚年時的洗費應該較低吧。然而，在安省現時一個較理想的Nursing Home 每年洗費均約$26,000加元，即每月需要$2,166加元。
現有加拿大國民的儲蓄習慣
根據一項調查，加拿大公民平均希望儲蓄約$756,000爲退休洗費，以下是有關的調查結果^^
仍然，我國45至64歲的公民平均的退休儲蓄只有$345,000加元，當中32%是沒有任何退休儲備，有約一半人的儲蓄少於$250,000加元。
其實，加拿大政府為我們提供了很多儲蓄工具，鼓勵大家多爲退休做準備。在下一篇文章，AC Wealth會為大家介紹這些工具，並會與大家分享如何可以使用這些工具，使你未來的生活更無憂。
Do you have to plan for retirement in Canada?
According to a survey*, 90% of people in Canada do not plan for an ideal retirement life in the future. In 2030, the average life expectancy in Canada is expected to be 83.9 years for men and 87.1 years for women**. How can we start to prepare for a retirement life in Canada?
What exactly is an ideal retirement life?
Would you like to have trips every year after retirement or spend time for vacation in warmer places for Christmas? Do you wish to go for sailing in summer or go for skiing during winter? Do you hope to live in a better nursing home in your later days? How much money is enough for your ideal retirement life?
Many people in Canada believe that with the current pension system, there is no need to worry for their retirement.
Old Age Security (OAS)
As one of the most popular pensions, Old Age Security (OAS) would be paid out by government since the age of 65. If you want to live abroad after retirement, you must reside in Canada for more than 20 years before the age of 65 so to get OAS. If you want to live in Canada after retirement instead, in order to get OAS, you would need to reside in Canada for more than 10 before the age of 65.
Moreover, the longer you live in Canada, the more OAS you will receive after age 65. However, if you move to Canada in your 40s or 50s, OAS monthly payout will be reduced proportionally. The maximum monthly OAS for Canadians is about 613 CAD in 2020. The maximum age at which OAS can be withdrawn is 70 years old.
Canada Pension Plan (CPP)
If you and your employer make contributions to the Canada Pension Plan (CPP) during employment, you can start withdrawing CPP every month from the age of 65 until you are 100 years old. In 2020, Canadian nationals withdraw an average of about 679 CAD CPP per month. You can start to withdraw CPP at the age of 60, or latest at the age of 70.***
Statistics on retirement cost in Canada
According to a 2016 survey, retirees in Canada spend an average of about 31,332 ^CAD a year, which is about 2,611 CAD a month.
Ignoring inflation, we assume you will receive 613 CAD of OAS and 679 CAD of CPP per month after retirement. It also means that you will have to withdraw a total of 1,292 CAD per month from your person savings as living cost after retirement.
This is just a very generic calculating the average cost of retirement, and this calculation would have a certain gap when compared to your ideal retirement life. We have also excluded inflation in the calculation. At the time of your retirement, the actual monthly living cost would most likely be higher.
With universal healthcare in Canada, you may believe that the living cost would be lower at your later days. However, we need to realize that an ideal Nursing Home in Ontario currently costs around 26,000 CAD a year, which is around 2,166 CAD a month.
Savings habits of Canadians
According to a survey, Canadians wish to save about $756,000 for retirement. The following are the details of the relevant findings^^:
However, the research also shows that for people in their age range of 45 to 64, the average savings for retirement is only 345,000 CAD, of which 32% do not have any relevant reserves, and about half of them have saved less than $250,000.
In fact, the government has provided us with many savings tools which encourage everyone to prepare for retirement. In the next article, AC Wealth will get into the details about these tools and we will share how to use these tools to prepare for a worry free future.
Reference:
[Notes: The views and opinions expressed are those of the author and may not necessarily be those of Acwealth Insurance Agency Limited. The content is for informational purposes only and not meant to be personalized financial advice.]