RRSPs: The conservative approach Add to ... Globe and Mail Update and Investor Education Fund Published Sunday, Apr. 05 2009, 9:06 PM EDT Last updated Tuesday, Jan. 18 2011, 5:30 PM EST Effective retirement planning requires careful thinking about needs, goals and investments. For some perspective on how to best tackle these issues, Rob Carrick sat down with Malcolm Hamilton from Mercer Human Resource Consulting. Watch More Video: Do we have a retirement crisis? Yes and no, says Wealthy Barber How to get kids excited about managing their money How many people are still buying large vehicles? Steer clear of the never-ending car loan Whatever happened to those great car leasing deals? Why are more and more seniors carrying debt? Whatever happened to the frugal senior? Preparing for the day you can't speak for yourself How much will health care cost if I move to the U.S.? Beware these health care 'wild cards' in retirement Why you should think about buying an annuity at age 75 Hey, small spender: At what age does spending typically slow? Will long-term health costs ruin you in retirement? Are annuities the answer? How big an impact does the OAS clawback have? What can seniors do to prevent financial abuse? How to spot the warning signs of financial elder abuse How often are seniors ripped off financially? The benefits of segregated funds in estate planning Should seniors just say no to stocks? Comments AA More Related to this Story Let's Talk Investing RRSPs: Saving priorities Tax Tips Boost your investment returns, courtesy of the government Top video Pensions: Are they money in the bank?