Its healthier for the males, to wait to neuter too. Cathy you may never have a problem, but more and more studies are showing that the earlier a dog is neutered (or spayed) the higher their risk for several (highly fatal) cancers, as well as joint problems.
A look at several studies combined into one paper:
http://www.2ndchance.info/cruciatelongtermneuter.htm and a click-able set of links for the studies:
Spay and Neuter Decisions - References
A recent study done on Goldens:
PLOS ONE: Neutering Dogs: Effects on Joint Disorders and Cancers in Golden Retrievers
An even more recent study done on Vizslas:
http://www.caninesports.com/uploads/1/5/3/1/15319800/vizsla_javma_study.pdf
The only cancer that's HIGHER risk by not spaying/neutering is mammary cancer for the bitches, and testicular cancer for the males.
Actual average risk for breast cancer for an intact adult female dog
is about 30%, which btw is the same as it is for US adult human females. And only about 4% of the actual cancer cases are fatal.
Testicular cancers appear to have had less work done on them. And study results vary. I've seen studies that say the over all risk is as low as 17% and others that say 50%, but it also appears to depend on the age of the dog AND on the TYPE of cancer, and the most common testicular cancer is benign (though it can affect the prostate). The VSSO also has a page on this:
Testicular Tumors but they don't break it down the way they did for the bitches. They do say that its unusual for a dog under the age of 6yrs to develop testicular cancer, while as much as 50% of the dogs over the age of 10yrs will have it in some form though again, the most common type is benign. One thing that all the studies agree on is that the actual fatality rate from testicular cancer is really really small, and thats because its very very simple to remove the cancer site as soon as its diagnosed, you simply neuter the dog!