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How Much Do you Need For Retirement How Your Investment Funds Are Used |
Main Sources of RetirementFor many Canadians their retirement income will come from 4 main sources:
1. Government Pensions (these include) Canada Pension Plan / Quebec Pension Plan Old Age Security And Other Gov’t Plans (ie Disability, “Topping Off”, etc)
2. Company Pensions which usually fall into 2 main categories: Defined Contribution plan Or a Defined Benefit plan
3. Registered Investments such as RRSP’s
4. Non Registered Investments (these include things like…) Interest on personal savings & GIC's Dividends from or sale of stocks Interest from bonds Dividends or redemption of mutual funds Conversion of home equity Income from business assets Income from real estate Liquidation of personal assets
Combined, this last category is usually the largest contributor to retirement income with RRSP's being a close second
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