A CIBC poll suggests that B.C. residents have slipped out of the leadership ranks over the past year in terms of saving for retirement.

The bank’s latest poll on retirement savings shows the number of B.C. residents planning to make a contribution this year has dipped to 60 per cent, down three per cent compared to 2012.

The shift pushes the province to fifth place from second, overall.

A 65-per-cent savings rate is anticipated across the Prairies, and the rate is 63 per cent in Ontario.

The CIBC poll also notes that while most people say they will make a retirement contribution, few follow through on that pledge, with the most common reason being a lack of available cash.

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    Fill your lungs with fresh, clean air and bask in the warm sunshine of Vilcabamba, Ecuador. Vilcabamba is also known to have plenty of affordable organic food, according to <a href="http://internationalliving.com/2012/04/the-cheapest-places-to-retire/" target="_hplink">International Living</a>. Here, it's easy to stretch a dollar: The site <a href="http://internationalliving.com/2012/04/the-cheapest-places-to-retire/" target="_hplink">interviewed one ex-pat couple who live on $600 a month</a>. Monthly bills include $1.25 for gas for cooking and hot water; $1.70 for water and $30 for electricity. Gasoline in Ecuador costs less than $1.50 a gallon. Most home rentals are less than $400 a month. A healthy, stress-free lifestyle goes hand-in-hand with longevity: Many Vilcabamba residents live to be 100 years old, the site reports.

  • Santa Fe, Panama: From $800 A Month

    Just 200 miles west of Panama City, lies Santa Fe, Panama, known for its rugged terrain, lush rainforest and hiking trails. <a href="http://internationalliving.com/2012/04/the-cheapest-places-to-retire/" target="_hplink">International Living interviewed an ex-pat</a> who called the health care "excellent," and was able to take care of a dental problem that would have cost $1,000 in the States for just $180.

  • Penang, Malaysia: From $1,200 A Month

    Penang, Malaysia is a town that offers a rich historic architecture, lively street culture and sandy beaches, according to <a href="http://internationalliving.com/2012/04/the-cheapest-places-to-retire/" target="_hplink">International Living</a>. Aside from the scenery and recently opened performing arts center, Penang offers affordable healthcare: An annual check-up goes for just $12.

  • Granada, Nicaragua: From $700 A Month

    If you're looking to retire in the cobblestone streets of Granada, Nicaragua, you can expect to find some 1,000 expatriates there with you. Granada is thriving with residents engaged in cultural events, outdoor activities and volunteering, according to <a href="http://internationalliving.com/2012/04/the-cheapest-places-to-retire/" target="_hplink">International Living</a>. As one ex-pat told the site: "I can get up in the morning, take a yoga class, get a manicure and pedicure, have a massage, meet my friends for happy hour, and do it all for less than $30!"

  • Campeche, Mexico: From $1,400 A month

    On the Gulf of Mexico, 100 miles south of Mérida on Mexico's Yucatán Peninsula is Campeche, Mexico. A boardwalk stretches for three miles along the gulf, with paths for runners and cyclers. Living expenses for Campeche are relatively low: A week's worth of fruits and vegetables at the market will set you back less than $10, according to <a href="http://internationalliving.com/2012/04/the-cheapest-places-to-retire/" target="_hplink">International Living</a>. Although the town is beginning to build itself up a bit, with upcoming shopping malls and a wider highway, most residents can get by living in Campeche's historic neighborhoods without a car.