hvala profesore.

„Ako 'A' investira $5,000.00 u TFSA svake godine po 8%, u 65 godini
imace balans od $365,530 'tax free'. ”

8% je vrlo primamljivo, ja nazalost možda u proseku posle troskova dobijam 3-4%.

a jel neko zna malo vise o annuities? Ko prodaje? i kakve su ponude?

Hmm. ako bi RRSP i OAS pokrivao mesecne troskove zivota, pod uslovom da imamo placen stan/kucu onda ostala ustedjevina može da ide na ostale troskove:kao na primer neko putovanje, kola

@profesore
znaci ne gine mi da imam samo za kafau i muffin u 65-oj :)
salim se.
Ja sam relativno govoreci u odnosu na moje prijatelje u dobroj situaciji, međutim plasim se trenutka kada se penzionisem i kada cach-flow opadne kako ću odrzati način zivota koji sam dosad vodio.

evo kako u Australiji je penzioni fond funkcionise. svidami se sto je tax rate za retirement account znatnonizi nego income tax. a posle 60 možeš da izvlacis tax free.

To retire securely, save like an Aussie

By Matthew Heimer

In the United States, fewer than half of all workers participate in an employer-sponsored retirement plan. In Australia, about 90% of the workforce has a formal retirement account. The most important difference between the two systems, as Bloomberg BusinessWeek’s Nick Summers explains in a recent piece, is that in Australia, contributing to your account is mandatory—and most workers now put in a minimum of 9% of each paycheck. The result: A little more than 20 years after it was enacted, Australia’s Superannuation Guarantee program now has $1.52 trillion in assets, a little over half as much as the $2.8 trillion parked in American 401(k)s—in a country whose population is only one-fourteenth the size of ours.

Shutterstock Her retirement account feels „Super.”
Contributions to Australia’s „Super” accounts are after-tax, and withdrawals by those 60 and older are tax free—so in that respect, the accounts are more like Roth IRAs. But contributions to the plans are taxed at only 15%, a lower rate than most Australians pay in income tax. Investors can hire an investment company to manage their retirement accounts, Summers reports, but about half of Australians manage their own. Their employers, meanwhile, don’t bear the administrative expenses or the legal risks of overseeing their plans for them. Some American legislators, including Sen. Tom Harkin (D, Iowa), would like to see the U.S. set up something similar.