The best time to think about your pension is before you need one

By Ernest Biktimirov, Professor of Finance, Goodman School of Business, Brock University

If you’re in your 20s or 30s, retirement may be the least urgent item on a long and expensive financial to-do list.

Paying the rent or a mortgage comes first. There may be student loans or credit-card balances to pay off. You might be trying to build an emergency fund or save for a first home. Add higher grocery bills, and retirement can easily become a problem for your future self.

That feeling is understandable. Canadians aged 25 to 44 have recently reported high levels…

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