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Retirement

Tax-advantaged accounts and the decisions that only make sense across decades: which wrapper, what order, and how the split should change as the horizon shortens.

5 articles

Kevin O'Leary, whose retirement savings rule is the subject of this article
RetirementPlanning

Kevin O'Leary's $500,000 Retirement Rule, Checked Against the Numbers

O'Leary says $500,000 can fund a retirement if you live on the income and never touch the principal. Here is what that actually pays, how it compares to a real safe withdrawal rate, and what the flat number leaves out.

September 7, 2026 · 5 min read
Diagram showing how paying capital gains tax reduces the amount left invested
PlanningRetirement

Tax Drag: The Return You Lose Without Noticing

Paying attention to tax is one of the highest-leverage jobs in a portfolio, and one of the least scrutinised. Here is where the drag comes from, why the account wrapper matters more than the fund, and what not to do.

August 1, 2026 · 5 min read
Gold bars alongside banknotes, representing a mix of asset classes
PlanningRetirement

Asset Allocation by Age: How Your Split Should Change Over a Lifetime

Setting a stock-and-bond split is one of the most important planning jobs, and age is a rough stand-in for the question that actually matters: when do you need the money?

July 22, 2026 · 5 min read
Retired couple representing the long-term payoff of a workplace 401(k) match
RetirementBeginner Guide

The 401(k) Match: The Free Money Most People Leave on the Table

Claiming your employer match is one of the highest-return decisions in a paycheck, and one of the easiest to skip. Here is how it works, what vesting means, and where it sits against everything else.

June 28, 2026 · 5 min read
Retirement savings paperwork, representing the choice between a Roth and a Traditional IRA
RetirementPlanning

Roth IRA vs. Traditional IRA: Which One to Open First

Choosing between a Roth and a Traditional IRA is one of the first retirement decisions that actually matters. Here is how the two work, the one question that decides it, and what to do if you are unsure.

June 23, 2026 · 5 min read