Maximize Your Retirement Income
Looking out over the next 10 - 15 years1
70%
of Canadians are worried about their retirement strategy
Main Concerns
When thinking about their retirement income plan, investors are most concerned about:
Now more than ever, Canadians need expert advice on how to make the most of their retirement income.
Other Factors Influencing Your Retirement Strategy
Historically Low Rates
Low interest rates are forcing many to consider higher-risk alternatives.
Pension Rules
The rules for CPP and OAS could mean working past age 65.
Timing of withdrawals (sequence of returns)
Withdrawals made during market downturns could erode your savings faster than anticipated.
A sudden life event
Divorce, dealing with aging parents, sudden illness or disability can alter your income needs.
How much will you need?
How you fare financially and how much you will need in retirement depends on various factors.
Age at Retirement & Life Expectancy
Desired Retirement Lifestyle
Projected Income Sources
Current or Expected Health Condition
Expected Inheritance
Portfolio Strategy & Investment Returns
Make the most of your retirement savings
Working with an advisor, consider all your sources of income and design a plan that allows you to maximize your income from each source in the most effective and tax-efficient way possible.
Private Pension
CPP | OAS
RRSPs/RRIFs
TFSAs
Non-Registered Savings
Inheritance
Home Equity
See how these income sources may impact your retirement savings plan - Click here to learn more.
When you move from accumulating wealth to drawing income from your portfolios, your investment objectives and strategy will evolve.
92%
of investors say advice has a positive impact on achieving their life goals1
THE RIGHT ADVICE
With comprehensive analysis and experience, we can help you plan for the retirement lifestyle you want and maximize your income – with the right combination of investment and risk management strategies – aligned to your goals and appetite for risk.
The Value of Advice
0
No Advice
4-6
Years of advice
7-14
Years of advice
15+
Years of advice
- Investment Planning Counsel, in partnership with Environics Research. Survey of 1001 Canadians with more than $100,000 in investable assets, August 2021.
- More on the Value of Financial Advisors, by Claude Montmarquette and Alexandre Homme, CIRANO 2020.
Commissions, trailing commissions, management fees and expenses all maybe associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.