The key to a comfortable retirement IMO is to contribute 18% of your income to either your RRSPs (pretax income) or TFSAs (post tax income) year in and year out through your working career.  18% is conveniently the RRSP limit.  With the $5500 per year TFSA limit under Trudeau, an 18% contribution is quickly maxed out by most.  Harper had the right idea raising the limit to $10k per year (for the record, I'm not a conservative).  Trudeau IMO did working Canadians a disservice rolling the contribution limit back to $5500.  Tangient aside, contribute that 18% to one or prefentially both from age 20 onward, self-investing in low cost ETFs, and you should enjoy a retirement lifestyle similar to your working years.  If Mr. Market smiles on you (favourable sequence of returns), you may even have enough to retire early.