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Investing Academy

When to review your plan

1 min read

If you’re at this stage of life	Your financial goals may include
Post-secondary and early career years You may be getting training, going to college or university, starting a career, or maybe finding a life partner. Spending is often greater than income.	Paying for post-secondary education Buying consumer items (car, home furnishings) Building up savings Paying off debt Building a good credit history
Family and career-building years You may change jobs to enhance your career. Your income usually rises during these years. You may also start a family, and want to save for your children’s education.	Buying a home Buying life insurance Preparing a will Starting an RRSP Starting an RESP Growing savings Starting a new business Reducing taxes
The pre-retirement years Your expenses may start to go down, and savings can really start to build. If you have kids, you may help pay for some of their costs, like education or a first home.	Paying off mortgage and all other debt Reducing taxes Growing retirement savings Sending your kids to college or university Starting a new business Planning your retirement lifestyle
Early retirement years You may want to work less and pursue interests like travel, volunteer work or part-time work.	Starting a new business Turning your retirement savings and pension into income Managing taxes Managing your retirement savings so they’ll last Updating your will
Later retirement years You may become less mobile, and may need to take care of health problems.