The Rule of 30 by Frederick Vettese, ECW Press

The Rule of 30: A Better Way to Save for Retirement

Vettese, Frederick

  • Consider the age-old question of how much you should save to enjoy a comfortable retirement: Are your knees knocking? Are you nervously biting your nails?

    In The Rule of 30 personal finance expert Frederick Vettese provides a surprising — and hopeful — answer. Through conversations between a young couple and their neighbor, a retired actuary, the couple and the reader discover:

    • How they would have fared had they been saving over various periods in the past, and how the future investment climate will differ
    • The problem with saving a constant percentage of pay
    • The Rule of 30 and why it is a more rational way to save
    • Whether investing in real estate is a viable alternative to investing in stocks

    The Rule of 30 changes the mindset from saving the same flat percentage of pay to saving when it is most convenient to your situation. In most cases, it means less saving early on while mortgage payments are high and children are costly, and more saving later.

    Saving for retirement is a high priority, but it is not the only priority in life. It is time to dispense with old myths like “just save 10% of your take-home pay.” The truth is we should save differently throughout our pre-retirement years — and The Rule of 30 is a road map for doing so.

    Available October 19, 2021. PRE-ORDER NOW!

    Check availability at your local Canadian independent bookstore:

    Remember that most stores can easily order books they don’t currently have in stock.

  • Frederick Vettese is Canada’s most visible actuary. His entire career has been focused on working within Canada’s retirement income system. For 27 years, he was chief actuary of Morneau Shepell, a Canadian HR services firm with 6,000 employees and 24,000 clients. Vettese now spends most of his professional time speaking and writing about retirement issues. He has written over 100 articles and op-eds for the Globe and Mail and the National Post alone. He is the author of the #1 bestseller Retirement Income for Life, published by ECW Press. He lives in Toronto, Ontario.

  • Published: October 2021

    ISBN: 9781770416178

    Dimensions: 6 x 9 in.

    Pages: 224

← Previous Product Next Product →


“Vettese’s superpower is to look at personal finance from a new perspective. In The Rule of 30 he strikes again, offering up a new, empowering and action-oriented approach to retirement savings.” — Bruce Sellery, CEO, Credit Canada and Money Columnist, CBC Radio

“Do you want to retire comfortably? Start planning and executing now. Fred’s book, The Rule of 30, is a good blueprint to follow and reads like a story. Your future self will thank you.” — Robin R. Speziale, National Bestselling Author, Market Masters

“An accessible read that offers a fresh perspective on saving and investing for retirement.” — Money We Have

The Rule of 30 offers new ideas and timeless wisdom for retirement saving, conversationally delivered by the friendly retired actuary next door. This is a must-read for anyone wondering how they can possibly save enough for retirement.” — Ben Felix & Cameron Passmore, Hosts, The Rational Reminder Podcast

The Rule of 30 answers the question we’ve all been asking about expensive housing: How will young couples with big mortgages and daycare bills carve out room for retirement saving?” — Rob Carrick, Personal Finance Columnist, The Globe and Mail

“It offers an absolutely brilliant solution to the burning question of how much to save for retirement throughout your working years. In addition to the rule of 30 and other retirement savings insights, Mr. Vettese shares his insightful wisdom about why the future will be different with a look at inflation, wage increases, interest rates, expected returns for bonds, and the wildly unpredictable stock market.” — Boomer & Echo