Ranga Chand is an independant economist and financial author and is the President of the research and consulting firm Chand Carmichael & Company Limited (established in 1994) based in Ottawa, Canada. Ranga has held senior positions with Canada’s Department of Finance, the Conference Board of Canada (an independent think tank), and a major stock brokerage firm. He has also taught economics at the University of Waterloo, published extensively in the field of economics, and represented Canada at numerous economic forums, including the OECD in Paris, the United Nations, and the World Institute of Economics in Germany. He is the author of a number of best-selling investment books including ‘Is Your Retirement at Risk? Winning Strategies for a Financially Secure Future’ and the annual editions of ‘Ranga Chand’s World of Mutual Funds’. He is also a regular contributor on economic and financial issues to the Globe and Mail.