Decumulation

Decumulation

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.

 

Investor Resources

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.

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.

Find Out More
What You Need to Know About RRIFs and Retirement Income
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.

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