How the pool grows if we keep saving versus stop today. Hover or tap the chart to read any year.
Keep saving
Stop saving today
Coast line
Target at retirement
info
tuneTry changing the assumptions
Chelsea's pension scenario
account_balanceWhat's counted
In the pool
RRSPs, the LIRA, and Nathan's DC pension. These grow at the return rate.
Compounding pool—
savingsChelsea's SHEPP pension is left out of the pool on purpose. A defined-benefit pension is an income stream, not a balance, so it's counted as the ~$38k/yr it pays instead.
Left out
TFSAs, RESP, and other holdings, by the rule we set.
helpThe $200k Vendasta position and 8 hidden accounts are excluded by rule. Worth confirming none of the hidden ones are registered.
warningThe risk under the smooth line
Concentration inside the RBC RRSP
Single stocks are 61% of that account. The 5% line treats them like an index fund. They are not. This is variance, not a lower expected return, and it lands hardest in the years right before retirement.
25.3%
NVDA, as a share of the RBC RRSP
46.6%
NVDA + SHOP combined, same account
badgeChelsea's pension, the quiet engine
SHEPP defined-benefit plan
Worth roughly $950k of capital we never have to save, and about $23k/yr of saving it takes off the table. It is the most valuable asset in the household and shows up on no net-worth screen.
Plan type
Defined benefit (SHEPP)
Credited service today
11.33 years
4-year highest average earnings
$79,417
Pension form
Joint life 60%
Plan funded status (2024)
107% going-concern
Estimate used at age 59
~$38,000/yr gross
priority_highBest next step: pull Chelsea's exact age-59 figure from the SHEPPweb calculator. It moves the required saving more than any portfolio change.
balanceWhat this model leaves out
add_circleIn our favour (not counted)
CPP and OAS. Both of us collect them. Plausibly $25k to $40k+/yr of household income from 65, nowhere in this calc.
The pension bridge. Adds roughly $10k/yr of Chelsea's income from 59 to 65, left out of the central case.
No future raises assumed. Chelsea's real pension is likely higher than modelled.
do_not_disturb_onWorking against us (real risks)
The 59-to-65 window. Before CPP and OAS, it's all portfolio and pension. The phase most exposed to a bad market run.
Pension indexing is conditional. If SHEPP skips cost-of-living bumps, the real value erodes over a 30-year retirement.
Concentration. NVDA and SHOP reverting in our mid-50s would hit at the worst possible time.
The 20% tax rate is a guess. Could be lower with income splitting, which would help.
Account values from Monarch (June 2026); RRSP composition from the Nov 27, 2025 export; pension from Chelsea's 2025 SHEPP statement.
A planning model, not financial advice. The passwords are light cover for screen-sharing, not real security.
1Coast FIRE is the point where the money already invested will grow into your full retirement target on its own, with no further contributions, as long as you keep covering everyday costs until you retire. Reaching it means you could stop saving for retirement, not that you have to stop working.