{
  "metadata": {
    "language": "multilingual",
    "languages": [
      "en",
      "fr",
      "zh"
    ],
    "generatedBy": "tools/build-search-index.mjs",
    "generatedAt": "2026-09-10",
    "privacy": "Static client-side index. Raw search queries remain browser-local and are not collected by this file.",
    "bodyTextIndexed": false,
    "stableResourceDeduplication": true,
    "recordCount": 271,
    "versionCount": 813,
    "counts": {
      "calculator": 128,
      "article": 38,
      "reference": 40,
      "glossary": 54,
      "clarity": 11
    },
    "scope": "article-library",
    "derivedFrom": "assets/data/search/search-index.multilingual.json",
    "eligibleArticleCount": 38
  },
  "vocabulary": {
    "metadata": {
      "schemaVersion": "1.0",
      "purpose": "Governed multilingual retrieval vocabulary for sitewide OpenBook search.",
      "lastReviewed": "2026-09-09",
      "displayTerminologyAuthority": [
        "docs/openbook-terminology-bank.md",
        "docs/openbook-language-standard.md",
        "localized resource metadata"
      ],
      "editorialBoundary": "Recognition for retrieval does not approve an expression for titles, labels, articles, glossary copy, translations, or other public wording.",
      "matchingBoundary": "This file defines semantic concept associations. It does not authorize fuzzy, typo, or edit-distance matching."
    },
    "concepts": [
      {
        "id": "registered-account.rrsp",
        "scope": "family",
        "bestMatchEligible": false
      },
      {
        "id": "registered-account.tfsa",
        "scope": "family",
        "bestMatchEligible": false
      },
      {
        "id": "registered-account.rrif",
        "scope": "family",
        "bestMatchEligible": false
      },
      {
        "id": "registered-account.resp",
        "scope": "family",
        "bestMatchEligible": false
      },
      {
        "id": "registered-plan.canadian",
        "scope": "topic",
        "bestMatchEligible": false
      },
      {
        "id": "rrsp.contribution-room",
        "scope": "intent",
        "bestMatchEligible": true
      },
      {
        "id": "rrsp.deduction-limit",
        "scope": "intent",
        "bestMatchEligible": true
      },
      {
        "id": "rrsp.contribution-tax-savings",
        "scope": "intent",
        "bestMatchEligible": true
      },
      {
        "id": "tfsa.contribution-room",
        "scope": "intent",
        "bestMatchEligible": true
      },
      {
        "id": "rrif.minimum-withdrawal",
        "scope": "intent",
        "bestMatchEligible": true
      },
      {
        "id": "planning.cash-flow",
        "scope": "topic",
        "bestMatchEligible": false
      },
      {
        "id": "planning.retirement-savings",
        "scope": "topic",
        "bestMatchEligible": false
      },
      {
        "id": "borrowing.mortgage",
        "scope": "topic",
        "bestMatchEligible": false
      },
      {
        "id": "mortgage.prepayment",
        "scope": "intent",
        "bestMatchEligible": true
      },
      {
        "id": "mortgage.refinancing",
        "scope": "intent",
        "bestMatchEligible": true
      }
    ],
    "expressions": [
      {
        "value": "RRSP",
        "language": "und",
        "role": "acronym",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 1
          }
        ]
      },
      {
        "value": "REER",
        "language": "fr",
        "role": "equivalent",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 1
          }
        ]
      },
      {
        "value": "RRSP contribution room",
        "language": "en",
        "role": "intent",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 0.8
          },
          {
            "id": "rrsp.contribution-room",
            "weight": 1
          }
        ]
      },
      {
        "value": "RRSP room",
        "language": "en",
        "role": "search-variant",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 0.7
          },
          {
            "id": "rrsp.contribution-room",
            "weight": 1
          }
        ]
      },
      {
        "value": "RRSP contribution",
        "language": "en",
        "role": "related",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 0.9
          },
          {
            "id": "rrsp.contribution-room",
            "weight": 0.3
          },
          {
            "id": "rrsp.contribution-tax-savings",
            "weight": 0.45
          }
        ]
      },
      {
        "value": "RRSP deduction limit",
        "language": "en",
        "role": "intent",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 0.8
          },
          {
            "id": "rrsp.deduction-limit",
            "weight": 1
          }
        ]
      },
      {
        "value": "droits de cotisation au REER",
        "language": "fr",
        "role": "intent",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 0.8
          },
          {
            "id": "rrsp.contribution-room",
            "weight": 1
          }
        ]
      },
      {
        "value": "cotisation REER",
        "language": "fr",
        "role": "related",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 0.9
          },
          {
            "id": "rrsp.contribution-room",
            "weight": 0.3
          },
          {
            "id": "rrsp.contribution-tax-savings",
            "weight": 0.45
          }
        ]
      },
      {
        "value": "limite de déduction REER",
        "language": "fr",
        "role": "search-variant",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 0.8
          },
          {
            "id": "rrsp.deduction-limit",
            "weight": 0.75
          }
        ]
      },
      {
        "value": "RRSP 供款额度",
        "language": "zh",
        "role": "intent",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 0.8
          },
          {
            "id": "rrsp.contribution-room",
            "weight": 1
          }
        ]
      },
      {
        "value": "RRSP 扣除限额",
        "language": "zh",
        "role": "intent",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 0.8
          },
          {
            "id": "rrsp.deduction-limit",
            "weight": 1
          }
        ]
      },
      {
        "value": "RRSP 供款",
        "language": "zh",
        "role": "related",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 0.9
          },
          {
            "id": "rrsp.contribution-room",
            "weight": 0.3
          },
          {
            "id": "rrsp.contribution-tax-savings",
            "weight": 0.45
          }
        ]
      },
      {
        "value": "retirement savings",
        "language": "en",
        "role": "related",
        "concepts": [
          {
            "id": "planning.retirement-savings",
            "weight": 1
          },
          {
            "id": "registered-account.rrsp",
            "weight": 0.4
          },
          {
            "id": "registered-account.tfsa",
            "weight": 0.35
          }
        ]
      },
      {
        "value": "épargne-retraite",
        "language": "fr",
        "role": "related",
        "concepts": [
          {
            "id": "planning.retirement-savings",
            "weight": 1
          },
          {
            "id": "registered-account.rrsp",
            "weight": 0.4
          },
          {
            "id": "registered-account.tfsa",
            "weight": 0.35
          }
        ]
      },
      {
        "value": "退休储蓄",
        "language": "zh",
        "role": "related",
        "concepts": [
          {
            "id": "planning.retirement-savings",
            "weight": 1
          },
          {
            "id": "registered-account.rrsp",
            "weight": 0.4
          },
          {
            "id": "registered-account.tfsa",
            "weight": 0.35
          }
        ]
      },
      {
        "value": "TFSA",
        "language": "und",
        "role": "acronym",
        "concepts": [
          {
            "id": "registered-account.tfsa",
            "weight": 1
          }
        ]
      },
      {
        "value": "CELI",
        "language": "fr",
        "role": "equivalent",
        "concepts": [
          {
            "id": "registered-account.tfsa",
            "weight": 1
          }
        ]
      },
      {
        "value": "RRIF",
        "language": "und",
        "role": "acronym",
        "concepts": [
          {
            "id": "registered-account.rrif",
            "weight": 1
          }
        ]
      },
      {
        "value": "FERR",
        "language": "fr",
        "role": "equivalent",
        "concepts": [
          {
            "id": "registered-account.rrif",
            "weight": 1
          }
        ]
      },
      {
        "value": "RRIF minimum withdrawal",
        "language": "en",
        "role": "intent",
        "concepts": [
          {
            "id": "registered-account.rrif",
            "weight": 0.8
          },
          {
            "id": "rrif.minimum-withdrawal",
            "weight": 1
          }
        ]
      },
      {
        "value": "retrait minimum d’un FERR",
        "language": "fr",
        "role": "intent",
        "concepts": [
          {
            "id": "registered-account.rrif",
            "weight": 0.8
          },
          {
            "id": "rrif.minimum-withdrawal",
            "weight": 1
          }
        ]
      },
      {
        "value": "RRIF 最低提款额",
        "language": "zh",
        "role": "intent",
        "concepts": [
          {
            "id": "registered-account.rrif",
            "weight": 0.8
          },
          {
            "id": "rrif.minimum-withdrawal",
            "weight": 1
          }
        ]
      },
      {
        "value": "cash flow",
        "language": "en",
        "role": "concept",
        "concepts": [
          {
            "id": "planning.cash-flow",
            "weight": 1
          }
        ]
      },
      {
        "value": "flux de trésorerie",
        "language": "fr",
        "role": "concept",
        "concepts": [
          {
            "id": "planning.cash-flow",
            "weight": 1
          }
        ]
      },
      {
        "value": "现金流",
        "language": "zh",
        "role": "concept",
        "concepts": [
          {
            "id": "planning.cash-flow",
            "weight": 1
          }
        ]
      },
      {
        "value": "mortgage",
        "language": "en",
        "role": "concept",
        "concepts": [
          {
            "id": "borrowing.mortgage",
            "weight": 1
          }
        ]
      },
      {
        "value": "hypothèque",
        "language": "fr",
        "role": "concept",
        "concepts": [
          {
            "id": "borrowing.mortgage",
            "weight": 1
          }
        ]
      },
      {
        "value": "房贷",
        "language": "zh",
        "role": "concept",
        "concepts": [
          {
            "id": "borrowing.mortgage",
            "weight": 1
          }
        ]
      },
      {
        "value": "房屋贷款",
        "language": "zh",
        "role": "equivalent",
        "concepts": [
          {
            "id": "borrowing.mortgage",
            "weight": 0.95
          }
        ]
      },
      {
        "value": "prepayment",
        "language": "en",
        "role": "search-variant",
        "concepts": [
          {
            "id": "borrowing.mortgage",
            "weight": 0.65
          },
          {
            "id": "mortgage.prepayment",
            "weight": 0.9
          }
        ]
      },
      {
        "value": "remboursement anticipé",
        "language": "fr",
        "role": "search-variant",
        "concepts": [
          {
            "id": "borrowing.mortgage",
            "weight": 0.65
          },
          {
            "id": "mortgage.prepayment",
            "weight": 0.9
          }
        ]
      },
      {
        "value": "提前还款",
        "language": "zh",
        "role": "search-variant",
        "concepts": [
          {
            "id": "borrowing.mortgage",
            "weight": 0.65
          },
          {
            "id": "mortgage.prepayment",
            "weight": 0.85
          }
        ]
      },
      {
        "value": "refinance",
        "language": "en",
        "role": "related",
        "concepts": [
          {
            "id": "borrowing.mortgage",
            "weight": 0.35
          },
          {
            "id": "mortgage.refinancing",
            "weight": 0.7
          }
        ]
      },
      {
        "value": "refinancing",
        "language": "en",
        "role": "related",
        "concepts": [
          {
            "id": "borrowing.mortgage",
            "weight": 0.35
          },
          {
            "id": "mortgage.refinancing",
            "weight": 0.7
          }
        ]
      },
      {
        "value": "refinancement",
        "language": "fr",
        "role": "related",
        "concepts": [
          {
            "id": "borrowing.mortgage",
            "weight": 0.35
          },
          {
            "id": "mortgage.refinancing",
            "weight": 0.7
          }
        ]
      },
      {
        "value": "再融资",
        "language": "zh",
        "role": "related",
        "concepts": [
          {
            "id": "borrowing.mortgage",
            "weight": 0.35
          },
          {
            "id": "mortgage.refinancing",
            "weight": 0.7
          }
        ]
      },
      {
        "value": "registered retirement savings plan",
        "language": "en",
        "role": "equivalent",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 1
          }
        ]
      },
      {
        "value": "régime enregistré d’épargne-retraite",
        "language": "fr",
        "role": "equivalent",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 1
          }
        ]
      },
      {
        "value": "注册退休储蓄计划",
        "language": "zh",
        "role": "equivalent",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 1
          }
        ]
      },
      {
        "value": "注册退休储蓄账户",
        "language": "zh",
        "role": "search-variant",
        "concepts": [
          {
            "id": "planning.retirement-savings",
            "weight": 0.35
          },
          {
            "id": "registered-account.rrsp",
            "weight": 0.95
          }
        ]
      },
      {
        "value": "注册退休储蓄",
        "language": "zh",
        "role": "search-variant",
        "concepts": [
          {
            "id": "planning.retirement-savings",
            "weight": 0.45
          },
          {
            "id": "registered-account.rrsp",
            "weight": 0.9
          }
        ]
      },
      {
        "value": "退休储蓄账户",
        "language": "zh",
        "role": "related",
        "concepts": [
          {
            "id": "planning.retirement-savings",
            "weight": 1
          },
          {
            "id": "registered-account.rrsp",
            "weight": 0.55
          },
          {
            "id": "registered-account.tfsa",
            "weight": 0.25
          }
        ]
      },
      {
        "value": "RRSP额度",
        "language": "zh",
        "role": "search-variant",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 0.75
          },
          {
            "id": "rrsp.contribution-room",
            "weight": 0.9
          }
        ]
      },
      {
        "value": "RRSP 额度",
        "language": "zh",
        "role": "search-variant",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 0.75
          },
          {
            "id": "rrsp.contribution-room",
            "weight": 0.9
          }
        ]
      },
      {
        "value": "RRSP供款额度",
        "language": "zh",
        "role": "intent",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 0.8
          },
          {
            "id": "rrsp.contribution-room",
            "weight": 1
          }
        ]
      },
      {
        "value": "RRSP 还能存多少",
        "language": "zh",
        "role": "search-variant",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 0.7
          },
          {
            "id": "rrsp.contribution-room",
            "weight": 0.9
          }
        ]
      },
      {
        "value": "how much can I put in my RRSP",
        "language": "en",
        "role": "search-variant",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 0.7
          },
          {
            "id": "rrsp.contribution-room",
            "weight": 0.9
          }
        ]
      },
      {
        "value": "combien cotiser au REER",
        "language": "fr",
        "role": "search-variant",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 0.7
          },
          {
            "id": "rrsp.contribution-room",
            "weight": 0.85
          }
        ]
      },
      {
        "value": "RRSP tax savings",
        "language": "en",
        "role": "intent",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 0.75
          },
          {
            "id": "rrsp.contribution-tax-savings",
            "weight": 1
          }
        ]
      },
      {
        "value": "RRSP tax refund",
        "language": "en",
        "role": "related",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 0.65
          },
          {
            "id": "rrsp.contribution-tax-savings",
            "weight": 0.65
          }
        ]
      },
      {
        "value": "RRSP退税",
        "language": "zh",
        "role": "related",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 0.55
          },
          {
            "id": "rrsp.contribution-tax-savings",
            "weight": 0.75
          }
        ]
      },
      {
        "value": "RRSP 退税",
        "language": "zh",
        "role": "related",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 0.55
          },
          {
            "id": "rrsp.contribution-tax-savings",
            "weight": 0.75
          }
        ]
      },
      {
        "value": "économie d’impôt REER",
        "language": "fr",
        "role": "intent",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 0.75
          },
          {
            "id": "rrsp.contribution-tax-savings",
            "weight": 1
          }
        ]
      },
      {
        "value": "RRSP节税",
        "language": "zh",
        "role": "intent",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 0.75
          },
          {
            "id": "rrsp.contribution-tax-savings",
            "weight": 1
          }
        ]
      },
      {
        "value": "RRSP 节税",
        "language": "zh",
        "role": "intent",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 0.75
          },
          {
            "id": "rrsp.contribution-tax-savings",
            "weight": 1
          }
        ]
      },
      {
        "value": "RRSP供款节税",
        "language": "zh",
        "role": "intent",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 0.75
          },
          {
            "id": "rrsp.contribution-tax-savings",
            "weight": 1
          }
        ]
      },
      {
        "value": "RRSP 供款节税",
        "language": "zh",
        "role": "intent",
        "concepts": [
          {
            "id": "registered-account.rrsp",
            "weight": 0.75
          },
          {
            "id": "rrsp.contribution-tax-savings",
            "weight": 1
          }
        ]
      },
      {
        "value": "tax-free savings account",
        "language": "en",
        "role": "equivalent",
        "concepts": [
          {
            "id": "registered-account.tfsa",
            "weight": 1
          }
        ]
      },
      {
        "value": "compte d’épargne libre d’impôt",
        "language": "fr",
        "role": "equivalent",
        "concepts": [
          {
            "id": "registered-account.tfsa",
            "weight": 1
          }
        ]
      },
      {
        "value": "免税储蓄账户",
        "language": "zh",
        "role": "equivalent",
        "concepts": [
          {
            "id": "registered-account.tfsa",
            "weight": 1
          }
        ]
      },
      {
        "value": "免税储蓄",
        "language": "zh",
        "role": "search-variant",
        "concepts": [
          {
            "id": "planning.retirement-savings",
            "weight": 0.25
          },
          {
            "id": "registered-account.tfsa",
            "weight": 0.85
          }
        ]
      },
      {
        "value": "TFSA contribution room",
        "language": "en",
        "role": "intent",
        "concepts": [
          {
            "id": "registered-account.tfsa",
            "weight": 0.8
          },
          {
            "id": "tfsa.contribution-room",
            "weight": 1
          }
        ]
      },
      {
        "value": "TFSA room",
        "language": "en",
        "role": "search-variant",
        "concepts": [
          {
            "id": "registered-account.tfsa",
            "weight": 0.75
          },
          {
            "id": "tfsa.contribution-room",
            "weight": 1
          }
        ]
      },
      {
        "value": "droits de cotisation au CELI",
        "language": "fr",
        "role": "intent",
        "concepts": [
          {
            "id": "registered-account.tfsa",
            "weight": 0.8
          },
          {
            "id": "tfsa.contribution-room",
            "weight": 1
          }
        ]
      },
      {
        "value": "TFSA额度",
        "language": "zh",
        "role": "search-variant",
        "concepts": [
          {
            "id": "registered-account.tfsa",
            "weight": 0.75
          },
          {
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        "fr": {
          "language": "fr",
          "title": "RPC/RRQ à 60, 65, 70 ou 72 ans : comparaison pratique",
          "description": "Comparaison pratique des âges de début du RPC et du RRQ, y compris la demande anticipée, une prestation plus élevée plus tard, la longévité, l'analyse du point d'équilibre, la fiscalité et le contexte global du revenu de retraite.",
          "url": "/fr/articles/cpp-qpp-timing",
          "category": "Government Benefits",
          "pillar": "Retirement Readiness"
        },
        "zh": {
          "language": "zh",
          "title": "CPP/QPP 在 60、65、70 或 72 岁开始领取：实用比较",
          "description": "比较 CPP 和 QPP 在不同年龄开始领取时的取舍，涵盖提前领取、延后领取、寿命、平衡点、税务和退休收入背景。",
          "url": "/zh/articles/cpp-qpp-timing",
          "category": "Government Benefits",
          "pillar": "Retirement Readiness"
        }
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          "title": "CPP/QPP Basics: How the Benefit Works",
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          "url": "/articles/cpp-qpp-basics",
          "category": "Government Benefits",
          "pillar": "Retirement Readiness"
        },
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          "language": "fr",
          "title": "Bases du RPC/RRQ : fonctionnement de la prestation",
          "description": "Présentation de la façon dont les prestations de retraite du RPC et du RRQ s'accumulent, sont calculées, peuvent être bonifiées et s'intègrent à la planification du revenu de retraite.",
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          "category": "Government Benefits",
          "pillar": "Retirement Readiness"
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          "language": "zh",
          "title": "CPP/QPP 基础：养老金福利如何运作",
          "description": "解释 CPP 和 QPP 退休养老金如何累积、计算、增强，以及如何放入整体退休收入规划中理解。",
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          "value": "loan costs",
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          "role": "topic",
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          "role": "topic",
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          "title": "Debt and Borrowing: Understanding Costs, Repayment and Risk",
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          "category": "Debt and Borrowing",
          "pillar": "Cash Flow"
        },
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          "language": "fr",
          "title": "Dettes et emprunts : comprendre les coûts, le remboursement et les risques",
          "description": "Comprendre comment l’emprunt crée des obligations de remboursement, des coûts de financement et des risques, et pourquoi les paiements, le coût total, la garantie et le traitement fiscal répondent à des questions différentes.",
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          "category": "Debt and Borrowing",
          "pillar": "Cash Flow"
        },
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          "language": "zh",
          "title": "债务与借款：理解成本、还款与风险",
          "description": "理解借款如何形成还款义务、融资成本和风险，以及还款额、总成本、担保和税务处理为何回答不同的问题。",
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          "category": "Debt and Borrowing",
          "pillar": "Cash Flow"
        }
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        "topicCategory": "debt",
        "editorialOrder": 31,
        "topicTerms": [
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      "id": "article:debt-payoff-highest-rate-lowest-balance",
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          "value": "Debt Payoff Approaches: Highest Rate or Lowest Balance First?",
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          "role": "name",
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          "value": "Compare highest-rate-first and lowest-balance-first debt payoff approaches under the same repayment budget, including interest, milestones and completion dates.",
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          "role": "supporting",
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          "title": "Debt Payoff Approaches: Highest Rate or Lowest Balance First?",
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        },
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          "language": "fr",
          "title": "Approches de remboursement des dettes : taux le plus élevé ou solde le plus faible en premier?",
          "description": "Comparer le remboursement prioritaire du taux le plus élevé et celui du plus petit solde avec un même budget, notamment les intérêts, les jalons et les dates de remboursement.",
          "url": "/fr/articles/debt-payoff-highest-rate-lowest-balance",
          "category": "Debt and Borrowing",
          "pillar": "Cash Flow"
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          "language": "zh",
          "title": "债务还款方式：先还最高利率，还是先还最低余额？",
          "description": "在相同还款预算下，比较最高利率优先和最低余额优先两种债务还款方式，包括利息、还清里程碑和完成日期。",
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          "category": "Debt and Borrowing",
          "pillar": "Cash Flow"
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          "role": "topic",
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          "language": "en",
          "role": "topic",
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          "title": "Defined Benefit Pension vs Commuted Value: Understanding the Real Comparison",
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          "url": "/articles/db-pension-commuted-value",
          "category": "Retirement Planning",
          "pillar": "Retirement Readiness"
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          "language": "fr",
          "title": "Pension à prestations déterminées ou valeur de transfert : comprendre la vraie comparaison",
          "description": "Comparer une pension à prestations déterminées avec une valeur de transfert en distinguant revenu du régime, limites fiscales, fonds immobilisés, survivant et transfert des risques.",
          "url": "/fr/articles/db-pension-commuted-value",
          "category": "Retirement Planning",
          "pillar": "Retirement Readiness"
        },
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          "language": "zh",
          "title": "确定给付型养老金与折算价值：理解真正的比较",
          "description": "说明如何比较确定给付型养老金和折算价值，包括计划收入、转移价值、税务上限、锁定规则、遗属条款和风险转移。",
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          "category": "Retirement Planning",
          "pillar": "Retirement Readiness"
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      },
      "articleLibrary": {
        "topicCategory": "retirement",
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        "topicTerms": [
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          "role": "supporting",
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          "value": "beneficiary",
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          "role": "topic",
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          "title": "Estimating Life Insurance Needs: Income, Debts, Tax, and Estate Goals",
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          "url": "/articles/estimating-life-insurance-needs",
          "category": "Insurance",
          "pillar": "Insurance & Risk"
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        "fr": {
          "language": "fr",
          "title": "Estimer les besoins en assurance vie : revenu, dettes, impôt et objectifs successoraux",
          "description": "Estimez les besoins en assurance vie en séparant les besoins immédiats, continus et durables, puis en soustrayant les ressources fiables selon leur calendrier et leur fiscalité.",
          "url": "/fr/articles/estimating-life-insurance-needs",
          "category": "Insurance",
          "pillar": "Insurance & Risk"
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          "language": "zh",
          "title": "估算人寿保险需求：收入、债务、税务与遗产目标",
          "description": "区分即时、持续和长期需求，再按资金到位时间、税务处理和用途扣除可靠资源，以估算人寿保险资金缺口。",
          "url": "/zh/articles/estimating-life-insurance-needs",
          "category": "Insurance",
          "pillar": "Insurance & Risk"
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      },
      "articleLibrary": {
        "topicCategory": "insurance",
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          "value": "Government Student Aid in Canada: Grants, Bursaries, and Loans",
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          "value": "Understand how public student aid is assessed, why awards can differ from household funding gaps, and how grants, bursaries, loans and Québec's system fit together.",
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          "value": "Canada Student Loans",
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          "role": "topic",
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          "role": "topic",
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          "value": "grants",
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          "role": "topic",
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          "value": "Québec Loans and Bursaries Program",
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          "value": "student aid",
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          "role": "topic",
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          "value": "student loan repayment",
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          "language": "en",
          "title": "Government Student Aid in Canada: Grants, Bursaries, and Loans",
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          "url": "/articles/government-student-aid-in-canada",
          "category": "Education",
          "pillar": "Cash Flow"
        },
        "fr": {
          "language": "fr",
          "title": "Aide financière gouvernementale aux études au Canada : bourses et prêts",
          "description": "Comment l’aide financière publique aux études est évaluée, pourquoi l’aide accordée peut différer du manque à financer calculé par un ménage, et comment s’articulent les programmes fédéraux, provinciaux, territoriaux et québécois.",
          "url": "/fr/articles/government-student-aid-in-canada",
          "category": "Education",
          "pillar": "Cash Flow"
        },
        "zh": {
          "language": "zh",
          "title": "加拿大政府学生资助：助学金、补助金与学生贷款",
          "description": "说明政府学生资助如何评估、正式资助结果为何可能与家庭自算的教育资金缺口不同，以及联邦、省、地区和魁北克项目如何衔接。",
          "url": "/zh/articles/government-student-aid-in-canada",
          "category": "Education",
          "pillar": "Cash Flow"
        }
      },
      "articleLibrary": {
        "topicCategory": "education",
        "editorialOrder": 35,
        "topicTerms": [
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      "id": "article:retirement-income-sources",
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          "pillar": "Liabilities"
        },
        "zh": {
          "language": "zh",
          "title": "房贷与房屋净值信用额度：运作方式与主要区别",
          "description": "两者都可以用房屋作抵押担保，但在资金提供、还款、再次借款以及利率变动风险方面存在重要差异。",
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          "title": "Notions de base sur la Sécurité de la vieillesse (SV)",
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          "title": "Rendements réels et nominaux",
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          "title": "Cotisations, retraits et incitatifs du REEE",
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          "language": "fr",
          "title": "Hypothèques inversées à la retraite : fonctionnement",
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          "title": "RRSP 与 TFSA 提款：先用哪个账户？",
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          "language": "fr",
          "title": "REER ou CELI : où placer le prochain dollar?",
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          "category": "Tax Planning",
          "pillar": "Tax Optimization"
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          "language": "zh",
          "title": "RRSP 还是 TFSA：下一笔钱该放哪里？",
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          "category": "Tax Planning",
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          "value": "Cash Flow",
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          "role": "topic",
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          "value": "emergency reserve",
          "language": "en",
          "role": "topic",
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          "language": "en",
          "title": "Understanding household cash flow: income, expenses, reserves and saving goals",
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          "url": "/articles/understanding-household-cash-flow",
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          "pillar": "Cash Flow"
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          "language": "fr",
          "title": "Comprendre les flux de trésorerie du ménage : revenus, dépenses, réserves et objectifs d’épargne",
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          "language": "zh",
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          "category": "Retirement Planning",
          "pillar": "Retirement Readiness"
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          "language": "fr",
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          "title": "Understanding the OAS Recovery Tax (Clawback)",
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          "url": "/articles/oas-clawback-basics",
          "category": "Government Benefits",
          "pillar": "Tax Optimization"
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          "language": "fr",
          "title": "Comprendre l'impôt de récupération de la SV (clawback)",
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          "language": "zh",
          "title": "了解 OAS 追回税（Clawback）",
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          "pillar": "Tax Optimization"
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          "url": "/articles/variable-withdrawal-strategies",
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          "title": "Comprendre les stratégies de retrait variable",
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          "title": "可变提款策略解释",
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          "language": "fr",
          "title": "Qu’est-ce que le décaissement?",
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          "language": "zh",
          "title": "什么是退休资金提取？",
          "description": "退休资金提取基础指南，涵盖退休现金流、RRSP/RRIF 规则、锁定型养老金资金、税务、福利、投资风险、通胀、寿命和开支灵活性。",
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          "title": "为什么通胀在退休规划中很重要",
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          "title": "Why Retirement Projections Change - and When to Update Them",
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          "url": "/articles/why-retirement-projections-change-over-time",
          "category": "Methodology",
          "pillar": "Retirement Readiness"
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          "language": "zh",
          "title": "退休测算为何会变化，以及何时需要更新",
          "description": "说明退休测算为何会随着事实、假设、规则、决策或家庭情况变化而改变，以及何时适合更新、比较情景或重建案例。",
          "url": "/zh/articles/why-retirement-projections-change-over-time",
          "category": "Methodology",
          "pillar": "Retirement Readiness"
        }
      },
      "articleLibrary": {
        "topicCategory": "retirement",
        "editorialOrder": 17,
        "topicTerms": [
          "Retirement",
          "Retraite",
          "退休"
        ]
      }
    },
    {
      "id": "article:working-while-receiving-cpp",
      "type": "article",
      "concepts": [],
      "retrievalTerms": [
        {
          "value": "Working While Receiving CPP or QPP: Contributions, PRB, and the QPP Supplement",
          "language": "en",
          "role": "name",
          "weight": 1
        },
        {
          "value": "How post-retirement CPP contributions can create a PRB, why CPP and QPP age rules differ, and how tax, OAS and GIS interactions fit into the decision.",
          "language": "en",
          "role": "supporting",
          "weight": 0.45
        },
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          "value": "CPP",
          "language": "en",
          "role": "topic",
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        },
        {
          "value": "GIS",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "government benefits",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "government-benefits",
          "language": "en",
          "role": "topic",
          "weight": 0.5
        },
        {
          "value": "OAS",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "payroll",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "post-retirement benefit",
          "language": "en",
          "role": "topic",
          "weight": 0.7
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        {
          "value": "PRB",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "QPP",
          "language": "en",
          "role": "topic",
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        },
        {
          "value": "retirement income",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "retirement-planning",
          "language": "en",
          "role": "topic",
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        },
        {
          "value": "self-employment",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "tax-planning",
          "language": "en",
          "role": "topic",
          "weight": 0.5
        },
        {
          "value": "taxable income",
          "language": "en",
          "role": "topic",
          "weight": 0.7
        },
        {
          "value": "working in retirement",
          "language": "en",
          "role": "topic",
          "weight": 0.7
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      ],
      "versions": {
        "en": {
          "language": "en",
          "title": "Working While Receiving CPP or QPP: Contributions, PRB, and the QPP Supplement",
          "description": "Learn how working while receiving CPP can create post-retirement benefits, why CPP and QPP age rules differ, and how taxes, OAS and GIS can interact.",
          "url": "/articles/working-while-receiving-cpp-qpp",
          "category": "Government Benefits",
          "pillar": "Retirement Readiness"
        },
        "fr": {
          "language": "fr",
          "title": "Travailler tout en recevant le RPC ou le RRQ : cotisations, PAR et supplément du RRQ",
          "description": "Comprendre comment le travail pendant la réception du RPC peut créer une PAR, pourquoi les règles RPC/RRQ diffèrent, et comment impôt, SV et SRG peuvent interagir.",
          "url": "/fr/articles/working-while-receiving-cpp-qpp",
          "category": "Government Benefits",
          "pillar": "Retirement Readiness"
        },
        "zh": {
          "language": "zh",
          "title": "领取 CPP 或 QPP 后继续工作：供款、PRB 与 QPP 补充福利",
          "description": "说明领取 CPP 后继续工作如何产生退休后福利，CPP 与 QPP 年龄规则为何不同，以及税务、OAS 和 GIS 可能如何相互影响。",
          "url": "/zh/articles/working-while-receiving-cpp-qpp",
          "category": "Government Benefits",
          "pillar": "Retirement Readiness"
        }
      },
      "articleLibrary": {
        "topicCategory": "retirement",
        "editorialOrder": 29,
        "topicTerms": [
          "Retirement",
          "Retraite",
          "退休"
        ]
      }
    }
  ]
}