Should You Take Your Pension Commuted Value?

Should You Take Your Pension Commuted Value?

In our experience, most people who are given a choice of taking their pension or transferring the commuted value to personal locked-in RRSP will take the transfer. It’s a large amount of money ‒ maybe larger than anything else you have received before ‒ and it just seems that much money has to be better than a monthly pension income. But is it?

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Secure cashflow for a secure retirement

Published By: Schroders | 17/09/2019

The trend of mortality statistics in Canada has brought good news –Canadians are living longer. The implication for people considering retiringat age 65 is that they can expect to enjoy a long retirement. In fact, a male Canadian who has just retired, aged 65, will on average spend 19 years in retirement and a female 22 years. Further, 27% of males and 41% of females can expect to spend over 25 years in retirement.1 Any improvement in mortality would obviously increase these figures further.


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