Decumulation Phase

When an investor retires, their investment focus switches to cash flow and the preservation of their portfolio’s value.

Transitioning to retirement is becoming a bigger focus for Canadian investors, whether it’s planning what they’ll do in retirement, ensuring they have a sustainable cash flow, or how to fund their increasing health needs and retirement home.

Working With a Financial Advisor

Investor Resources

Retirement Income

A Registered Retirement Income Fund (RRIF) is a registered account designed to give you income flow in retirement. Think of a RRIF as a Registered Retirement Savings Plan (RRSP) in reverse – RRSPs allow you to accumulate tax-sheltered savings for retirement, while your RRIF generates a taxable retirement income stream from these savings – which still continue to grow and remain tax-sheltered.

Health Care Planning

Canadians are living longer today than any previous generation in history, in fact 2/3 of Canadians say the biggest concern as they get older is their health care, yet less than ¼ of them have planned or saved for this.

This material is for informational and educational purposes only. It is not a recommendation of any specific investment product, strategy, or decision, and is not intended to suggest taking or refraining from any course of action. It is not intended to address the needs, circumstances, and objectives of any specific investor. This information is not meant as tax or legal advice. Investors should consult a financial advisor and/or tax professional before making investment, financial and/or tax-related decisions.

Advisor Resources (Log-in Required)

Transitioning to Retirement Income

RRIF / LIF Calculator:
Use this handy calculator to help guide you through desired RRIF/LIF payments based on an individual’s age (or their spouse’s age)

Income Tax Estimator:
This simple calculator helps to determine total taxes payable for individuals and/or couples based on different combinations of income sources

This content is for advisor use only. No portion of this content may be reproduced or distributed to the public. AGF Investments disclaims any responsibility for any advisor sharing this with investors.

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