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I like the way Seguin Financial always asks for my input and fully involves me in the decision-...

Nick Cardone

The Greenwood Centre
3200 Deziel Dr. Suite 210
Windsor, ON, N8W 5K8

Phone: (519) 974-6688
Toll Free: +1 866-973-4846
Fax: (519) 974-7192

info@seguinfinancial.com

Retirement Tradeoffs

Planning for retirement involves tradeoffs. The amount of retirement capital you need will often depend on when you start investing, when you retire, the return on your investments, your income expectations, income indexing, your current saving levels and the amount of government pension income.

More Capital Required If...

  • You start investing later in you life
  • You retire early and increase the length of your retirement
  • You earn a low rate of return on your investment
  • The amount of income you need at retirement is higher
  • Your retirement income is indexed to inflation
  • Your current retirement savings levels are low
  • Government pension sources are expected to be lower

Less Capital Required If...

  • You start investing early in life
  • You retire later and decrease the length of your retirement
  • You earn a higher rate of return on your investments
  • You lower your income expectations at retirement
  • You don't index your retirement income to inflation
  • Your current retirement savings levels are higher
  • Government pension sources are expected to be higher

Mutual funds are offered through Manulife Securities Investment Services Inc. Insurance products and services are offered through Seguin Financial Group Ltd. Seguin Financial Group is a trade name used for both mutual fund & Insurance business activities. Banking products and services are offered through referral.

info@seguinfinancial.com