IAG SAVINGS
AND RETIREMENT PLAN
Adopt a winning
strategy!
Maximize your client’s retirement capital
Investment before retirement
Goal:
Capital
protection
The main priority for many
clients is security for
their savings, even during
the accumulation period.
Offer them the capital
protection strategy by
maximizing the Ecoflex
Series 100/100 guarantee
and minimizing fees.
Establishment of the
guaranteed minimum
value at maturity
for the Ecoflex Series
100/100
Application of the
guaranteed minimum
value at maturity
for the Ecoflex Series
100/100
Less than 15 years
At more than 15 years
T-15
from the maturity date*
from the maturity date*
Make new deposits…
T
Make new deposits…
…in the Classic Series 75/75
for reduced fees
…in the Ecoflex Series
100/100 for the
100% deposit
guarantee at maturity
or
…in Series 75/100
for the 100% deposit
guarantee at death
(75% for deposits made
starting at age 80)
*The maturity date:
The Ecoflex Series 100/100 also offers protection for gains by allowing
4 resets per year before T-15.
- Must be at least 15 years after the initial investment date.
- Must be between the client’s 60th and 71st birthdays.
A partner you can trust.
During retirement
Goal:
Certainty of
a retirement
income for life
Uncertainty about inflation, market
movements, unexpected expenses and
health costs translate into fear of a lack
of money for many people. The best option
is to ensure a guaranteed income for life
to cover basic expenses.
It’s possible to combine the security
of a guaranteed income and
the flexibility provided by liquid
investments by incorporating a life
annuity in the retirement portfolio.
$
VARIABLE INCOME
Ecoflex Series 100/100 funds
Series 75/100 funds
Classic Series 75/75 funds
GIC
High-interest TFSA
FIXED INCOME
Single premium annuity
Lifetime investment
Liquidity is used to adapt
income according to lifestyle
It’s more reassuring to know
that income will be for life and
guaranteed than to try and
predict how long (to what age)
it will last.
Time
Did you know…
Consider the following example: a $5,000 life annuity indexed at 3%,
starting at age 65.
To provide the same income to age 95, you would have to obtain
a 7% return (with fees of 100 bps) on a $100,000 RRSP investment.1
inalco.com
F13-828A(13-11)
1. Source: Retirement Research, LIMRA 2012