Why are Canadians searching more about retirement planning now?

The year-end calendar forces reviews of savings, taxes, and benefits. With costs still high, many households are testing whether CPP, OAS, and savings can fund monthly needs. Media spotlights and simple tools make starting easier. The 50% jump signals a desire for clear steps, not theory.

What year-end investing steps can improve retirement income?

Consider tax-loss selling when suitable, prepay deductible costs, and set automatic RRSP and TFSA contributions for January. Review fees and move to lower-cost options if value is equal. Align asset mix with time horizon and cash needs. Small, consistent actions can lift net retirement income.

How does pension planning Canada fit into a complete plan?

Treat CPP and OAS as the base layer. Add workplace pensions where available, then coordinate RRSP and TFSA drawdowns. Some may add annuities to secure essentials. The goal is steady, tax-aware cash flow across market cycles, not just a large balance. Review annually as life and rules change.

What withdrawal sequence works best in retirement?

There is no one rule. Many start with taxable accounts, then RRSP or RRIF, keeping TFSA for flexibility. Deferring CPP can raise guaranteed income if longevity risk is a concern. Test different sequences for taxes, benefits, and cash flow. Adjust yearly as spending and returns evolve.

Global Market Insights

December 28: Canada Retirement Planning Surge Flags Income Gaps

ByHuzaifa Zahoor December 28, 2025December 28, 2025

Retirement planning is spiking in Canada, with search interest up 50% as Canadians reassess income security, pensions, and taxes before year-end. December 28 is a smart moment to review CPP, OAS, RRSP, and TFSA choices and set 2026 goals. We see growing focus on retirement income durability, fee control, and inflation protection. Advisors and providers should respond with clearer tools and flexible decumulation options. Below, we outline drivers of the surge, practical year-end investing steps, and ways to address income gaps without guesswork.