Frederick Vettese
- Indexed articles, last 90 days
- 5
- Latest publication
- Sep 22, 2026
- Outlet visibility, for Theglobeandmail
- Top 10K sites
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- Jul 7, 2026
Latest articles
The normal retirement age is rising in many developed countries. How long can Canada cling to 65? (opens the original)
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People around the world are leaving the work force later because governments in most developed countries are raising their normal retirement age. The OECD defines “normal retirement age” as the age when a person who has worked full-time for many years becomes eligible – without penalty – for all pension benefits under their social security plans. In Canada, normal retirement age for both the Canada/Quebec Pension Plan and Old Age Security pension is 65. This has held steady since the 1960s and t
Bond yields may show where interest rates are heading over the long term (opens the original)
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The bond market has taken centre stage in recent months as bond yields worldwide have risen to levels not seen in nearly 20 years. Bond prices have plummeted in the process. But is this just the tip of the iceberg? The answer will affect investment portfolios and has implications for when one should buy GICs, life annuities and long-term bonds. Moreover, a prolonged rise in interest rates will almost certainly affect stock market performance at some point. While the future is unknowable, a histo
It’s time we had a workplace pension plan for all Canadians. Here’s how that could look (opens the original)
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Canada’s retirement income system is seriously flawed. To explain the problem, it is helpful to understand how the system currently works. It is made up of three tiers, as set out in the table below. Tier 1 includes three government-sponsored programs, Tier 2 holds workplace pension plans and Tier 3 is where individuals can save on their own, primarily using RRSPs and TFSAs. Nearly everyone is eligible for Tiers 1 and 3, but not Tier 2. That’s because employers can choose whether to sponsor a wo
Workplace pension plans have failed most Canadians (opens the original)
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Since the 1960s, Canada’s retirement system has often been compared to a three-legged stool. The first leg is government-sponsored pension plans, including the Canada/Quebec Pension Plan, Old Age Security and the Guaranteed Income Supplement. The second leg consists of registered retirement arrangements which are controlled by individuals, primarily RRSPs and TFSAs. Finally, there are workplace pension plans. It is this third leg that has failed most Canadians. To see why, we will look more clos
Not all rising health care costs stem from an aging population. What else is driving the increase? (opens the original)
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In my previous chart we noted that health care costs in Canada have soared to 12.7 per cent of GDP from 7 per cent in 1975. Although health care costs will always rise with inflation and population growth, they can’t be an ever-growing percentage of GDP, since that would crowd out other necessary spending. One factor that could help explain why these costs are rising so quickly is an aging population: older people need more health care. This week, we quantify just how much the rise in health car
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Top 10K sites
For Theglobeandmail, the outlet · Measured Aug 1, 2026
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