Sample Pension Calculations
Here are some sample pension estimates that we have provided to clients in recent weeks. The data is dated as of August 30, 2013.

Husband, age 62, Wife, age 61, seeking a joint and last to die pension with inflation indexing and no guarantee period. Using $500,000 of their RRSP assets.

Your pension for life would be: $1,730 / month
This equates to a cash flow yield on your investment of 4.2% / year.

Husband, age 55, Wife, age 53, seeking a joint and last to die pension with inflation indexing and no guarantee period. Using $300,000 of their joint account cash.

Your pension for life would be: $730 / month
This equates to a cash flow yield on your investment of 2.9% / year.
Your effective tax rate on the cash flow would be ___% (assuming a top marginal tax rate investor in Ontario in 2010).

Husband, age 70, Wife, age 70, seeking a joint and last to die pension with no inflation indexing and no guarantee period. Using $1,000,000 of their RRIF assets.

Your pension for life would be: $5,557 / month
This equates to a cash flow yield on your investment of 6.7% / year.

Single woman, age 60, seeking a life annuity with inflation indexing and no guarantee period.
Using $600,000 of her RRSP assets.

Your pension for life would be: $2,817 / month
This equates to a cash flow yield on your investment of 5.6% / year.

Single man, age 64, seeking a life annuity with no inflation indexing and no guarantee period. Using $200,000 of his RRSP.

Your pension for life would be: $1,2421 / month
This equates to a cash flow yield on your investment of 7.4% / year.

Call us today to get your personalized quote for your own pension.
Kurt Rosentreter
Insurance, Pension, RRSP
Wealthbuilding

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