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The 4% Rule Just Dropped to 3.9% — But Your RRIF Doesn't Care

  Published August 5, 2026 Morningstar's newest research says retirees can safely start withdrawing 3.9% a year. Ottawa's RRIF rules don't ask what's "safe" — they just tell you how much to take out, whether the math agrees or not. For years, the shortcut retirees leaned on was simple: take out 4% of your portfolio in your first year of retirement, bump it up with inflation every year after, and your savings should last three decades. Morningstar's 2026 State of Retirement Income report just trimmed that number to 3.9%. On its own, that's a small adjustment. On a $500,000 portfolio, it's the difference between withdrawing $19,500 or $20,000 in year one. But for Canadians, the number that actually controls the withdrawal isn't Morningstar's — it's the Canada Revenue Agency's. And once your RRSP becomes a Registered Retirement Income Fund, the CRA's required minimum can blow right past whatever a "safe" withdrawal rate i...
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IVF Mix-Up: Australian Woman Gives Birth to Stranger's Baby

In a rare and distressing incident, an Australian woman gave birth to a child conceived from another couple's embryo due to a mix-up at a fertility clinic. The error occurred at Monash IVF's Brisbane clinic, one of Australia's leading fertility providers, and was attributed to "human error" during the embryo transfer process.

The mistake was discovered months after the birth when the parents requested to transfer their remaining embryos to another clinic. An investigation revealed that an additional embryo in storage belonged to another patient, confirming the mix-up. Monash IVF has since issued an apology and pledged to support the affected families through this challenging time.

This incident has sparked discussions about the need for stricter regulations and protocols in IVF clinics to prevent such errors in the future. While rare, similar cases have been reported globally, highlighting the importance of transparency and accountability in fertility treatments.



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