Your stock percentage at 65 might be too low. 1. Forget the old ‘100 minus your age’ rule — Canadian experts now recommend ‘110 or 120 minus your age’ because we’re living longer, meaning a 40-year-old could hold up to 80% stocks. → 110 or 120 2. CPP and OAS together pay up to $2,259.62 per month at maximum in 2026, and that government-backed income floor acts like a bond — meaning Canadian retirees can afford to hold more stocks than Americans. → $2,259.62/month 3. Your RRSP contribution limit jumped to $33,810 for 2026 — and every dollar inside should be allocated based on your age-appropriate stock-to-bond split, not just parked in savings. → $33,810 4. Rebalance your portfolio annually and shift your stock-bond ratio every 5 to 10 years as you age — never reactively after a market crash, or you’ll lock in losses at the worst time. → every 5–10 years Full 2026 allocation guide 🌐 getwealthy.blog #CanadaFinance #PersonalFinance #CanadianMoney #MoneyTips #Canada
Certified Financial Planner (CFP) and Chartered Investment Manager (CIM) with over 17 years of experience in Canadian personal finance. Spent 10+ years at one of Canada's Big Five banks, the last 7 focused exclusively on high-net-worth clients. Every guide is written with the same depth I bring to real client work — Canada-specific, CRA-verified, and always free.