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Guaranteed Income for Retirement
- 5. Guaranteed Minimum Withdrawal Benefit is a $8 billion market and growing fast Guaranteed Minimum Withdrawal Benefit is a $600 billion market and growing faster! Success in Canada & USA
- 7. You insure all your major assets: Your life Your home Your cars, boats, etc . But what about your retirement income?
- 8. Longevity risk: How long will my money last when I retire? Inflation risk: What will a dollar buy me in 20 years? Market risk: Will a drop in the market set me back? Retirement Risks
- 9. Probability that a 65 year old will live to… Longevity Risk
- 10. Inflation Risk Purchasing Power in 20 years… 1% inflation 2% inflation 4% inflation $0.82 $0.67 $0.45
- 11. Market Risk - Effect on Longevity Different order – Different outcome Assumes $100,000 portfolio subject to $750 monthly withdrawals Return Sequence (%) +7 +7 +7 +7 -13 +27 -13 +7 +27 +27 +7 -13 Age money is depleted 86.5 83.3 81.1 94.9 Source: Milevsky & Salisbury, September 2006 +/- months -38 -65 +101
- 13. What you can do about it
- 18. Certainty before you retire Guaranteed income protection for pre-retirees Portfolio Value
- 19. Possibility of income growth Guaranteed income protection with automatic resets Portfolio Value
- 20. Income for Life Guaranteed income protection for retired investors Portfolio Value
- 21. Guaranteed RRIF payments for life Guaranteed income protection provides RRIF for life
- 22. Under any market conditions Regardless of market performance
- 23. Guaranteed Retirement Income Sun Wise Elite Plus can help “Fill the Gap” Core 6 Expenses $24,000 H,H,F,C,T,T Secure Income $12,000 OAS, CPP “The Gap” $12,000
- 25. Investment Options Investment choice with leading portfolio managers
- 26. CI Support
- 30. Thank You
Notes de l'éditeur
- Sun Wise Elite Plus – Rethinking Retirement Planning Welcome to this seminar on Sun Wise Elite Plus – a new way to think about retirement planning. Sun Wise Elite Plus is not just an investment. It marries the growth potential of mutual funds with the protective features of an insurance contract. It also has a new feature, the Guaranteed Minimum Withdrawal Benefit or GMWB, to help provide a predictable, sustainable, guaranteed income for your retirement. Now investors can have the security of knowing they’re going to have the guaranteed income they need during retirement – without giving up the potential for growth.