Your RRSPs & Other Retirement Income plans

Protect them for your guaranteed sustainable and predictable retirement income with a Guaranteed Lifetime Withdrawal Benefit (GLWB) plan! With current uncertain and volatile global economic conditions for the next 3 to 5 years - very low bond returns and thus very low fixed-income rates (like GICs), low to moderate equity returns and other geo-political global concerns WHY WOULD YOU WANT TO RISK YOUR HARD-EARNED RETIREMENT INCOME PLANS! 

Many top life insurance carriers in Canada provide this type of plan - Your RRSP or other investment plans (RRIF, LIF, LIRA or even non-registered) provide you with a worst-case scenario increment of 5% per annum added to your "protected principal" year after year until you decide to draw down your GLWB plan!

Don't think that you're too old to have this plan (in fact it's designed for you to get better than a GIC-rate today) - you may apply for this type of plan before age 80 and at any earlier age!

And you also get the protection and estate-planning privileges associated with this type of plan and SAVE yourself substantial monies that you can "pass-on" to your loved ones - like principal protection, estate-planning privileges of avoiding probate fees, lawyer fees, estate administration fees, potential creditor protection, and even better tax-efficiency especially in your non-registered plans!

How it works:

• Deposit your investment (or even transfer your current registered plans without 'breaking' the registration type) to a GLWB plan - note your principal is protected - you cannot receive less than your deposit (barring withdrawals)
• Your investment will receive at the end of each calendar year a 5% added to your "protected amount" - irrespective of how the financial markets perform in that year (note this is your worst-case scenario)!
• At every 3rd year (barring withdrawals) your investment portfolio would have 15% added to it's "protected amount" - this accumulated "protected amount" is again your worst-case scenario! But, what if the financial markets performance is better than 15% over the 3 years! You get that better benefit when your portfolio is "reset" at the better of 15% or the market value of your investments!
• You may then choose to withdraw as RETIREMENT INCOME (earliest age 55) - at this stage you shall receive a GUARANTEED, PREDICTABLE & SUSTAINABLE INCOME FOR YOUR LIFETIME - in fact, it'll work just like your CPP and other government plans - but even better, your GLWB plan will supplement your government and company pension plans to provide you with your required retirement needs!

It's that simple to set-up - contact me to set-up Ram@WealthDejavu.com or T: 905.846-9604 or Cell 416.624-9604. I'll provide you with an illustration of your investments that will provide you with a clear pattern of growth (with a 5% worse-case scenario and a projected market scenario of better than 5%) - and you'll see also what your guaranteed predictable retirement income is!