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October, 2007

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Ideal investing – safely
Common Cents
Ivan Cons
There are a myriad of investment options in the market today. It can be difficult to determine which products are most suitable for your particular risk tolerance or comfort level. Often we underestimate the liabilities of investment products and, if we are in our retirement years or approaching them, there is little room for error.
A new product was recently launched with overwhelming success by one of Canada’s leading insurers, Manulife Financial.  Income Plus is unique in the Canadian market as it offers predictable, sustainable, and potentially increasing retirement income. It is ideal for those approaching retirement, at retirement, or looking for an alternative to GICs or annuities, and here ’s why.
Your principal is protected. Income Plus guarantees you will never lose your original investment.
You can earn a bonus. If you are at least 10 years from retirement you can earn a 5% guarantee bonus for each year there are no withdrawals. This could add up to an extra 50% of the original investment.
Market gains are locked in. Every three years for the first 30 years of the contract, market gains and guarantee bonuses are automatically locked in. This guarantees savings and ensures that guaranteed retirement income can actually increase over time to help offset the effects of inflation.
Erosion of capital should be a real concern. Studies have consistently shown that Canadian investors may outlive their money. Income Plus can help ensure that this doesn ’t happen.
* Ivan Cons is an independent broker specializing in estate planning, retirement and insurance for the last 17 years.

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