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Our Official Website : Guaranteedinvestments.com
 Retirement Planning
Retirement Planning consists of a wide variety of financial planning concepts which involves and refers to setting aside one’s monies or other assets for the purposes of generating income at retirement. One of the main goals of retirement planning is to ensure one has the financial independence at retirement so that individuals can enjoy a happy retirement. Retirement Planning advisors basically are investment advisors, financial planners, financial consultants, mutual fund salespersons, financial advisors and other types of financial and investment consultants.
Retirement Planning Involves What?
Retirement Planning in Canada simply involves an individual trying to determine whether they will have enough funds or money to retire at a specific time or age. The retirement planning process typically involves goals or actions required to help strengthen one’s position to retirement at a specific time. Retirement planning can involve paying off debt during ones working years. Retirement planning can also involve setting up a monthly investment savings plan either towards RRSPs (Registered Retirement Savings Plans) or non-registered investments. The planning component also involves things like: investment selection, benefit analysis, debt analysis, cash flow analysis, insurance planning and review, estate planning and probate planning, income splitting reviews and much more.
 Investments & Retirement Planning
In most cases as an individual approaches retirement there is a need to allocate their investment portfolios in a more conservative manner. This is the case for both registered investment including RRSPs and non-registered investments. Investors tend to look at more secure investments which have potential to be income producing assets and investors tend to re-allocate their funds to include a greater component of fixed income type investments.
The challenge in today’s economic climate is that fixed income yields and interest rates on investment products such as GICs (Guaranteed Investment Certificates), bonds, treasury bills and other forms of fixed income investments are at historical low points. This means investors regardless of age, in many cases are seeking other safe and secure investments. Guaranteedinvestments.com provides investors with a wide range of products and services including GICs, annuities, insured annuities, guaranteed investment funds, guaranteed minimum withdrawal benefit plans and guaranteed lifetime withdrawal benefit plans.
Retirement Planning Overview
- Pay down your debt as quickly as possible during your working years
- Start investing as early as you can
- In one’s younger years, invest where possible, and if comfortable invest in investments that generate higher potential long term returns
- Review your retirement plan and investment plan at least once every two years and preferable once a year
- Consider the benefits of allocating investments into a more conservative portfolio as you approach retirement
- Review all aspects of your private pension plan at least 5-10 years prior to retirement
- Review your life insurance to see whether you are under or over covered
- Educate yourself about health benefits at retirement and early retirement
- Look at investments that reduce probate fees upon death if you are concerned about leaving behind a legacy or inheritance
- Don’t lose the money you have invested
Conservative Type Investment Products to consider during Retirement Planning
- GICs
- Annuities
- Insured Annuities
- Guaranteed Investment Funds
- Guaranteed Minimum Withdrawal Benefit Plans
- Guaranteed Lifetime Withdrawal Benefit Plans
- And other such products available at Guaranteedinvestments.com
Guaranteedinvestments.com and the professional advisors offer safe investment solutions in Canada. Risk adverse conservative investors seeking alternatives to GICs can find a wide array of financial products offered by the professional and experienced financial advisors at Guaranteedinvestments.com. Guaranteedinvestments.com is located on Bay Street in downtown Toronto and services clients in a wide variety of cities in Ontario. The financial professionals have access to products including GICs, annuities, insured annuities, variable annuities, guaranteed investment funds, guaranteed minimum withdrawal benefit plans and guaranteed lifetime withdrawal benefit plans. The advisors have over 35 years of combined financial experience and have structured, advised, or implemented investment strategies totalling over $250,000,000.
Retirement planning specialists can be contacted at Guaranteedinvestments.com and tswealth.ca
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