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Thinking about retirement from the age of 16

Too soon, you say? Not at all! Retirement planning starts on your teen's first day of work. Here's why:

1. Accumulating RRSP contribution room
Did your kid just land his or her first part-time or summer job? If your child files an income tax return, the following year, he or she begins to accumulate RRSP contribution room. Your child can use that contribution room later on, when he or she starts to earn enough money to save more.

2. Making a habit of saving
Saving is an important habit and should be developed as soon as possible. Everyone should make saving a lifelong practice. But you still have to choose the best way to save based on your personal situation. Here is a ground rule that can help in determining how much you should save:

  • Make a budget.
  • Put 50% of the surplus into savings.

3. Considering the time factor
The earlier you start to save, the more you stand to gain: time is money. Yes, saving can help you retire comfortably, but before that, saving can help you accomplish other goals, such as paying for school, buying your first home or being prepared for the unexpected.

To do with children
Discover our educational activities about savings: