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IP-Profiler - Retirement
RRIF - Guaranteed / Pooled

Today's investor has no shortage of investment options to choose from. We believe so strongly in our mission to make money management easy for our clients that we went and had it registered as our Trade Mark - Money Management Made EasyŽ.

We want you to profit from our research. This section provides a base reference source of investment products in a simple format. The information outlined below is provided to give an overall illustration of parameters that may be in effect for this investment product.

Investment Product 
P r o f i l e r: 
RRIFs - Guaranteed / Pooled
Questions to Ask: Answers you may find:
Minimum Purchase: $5,000 to open plan
$1,000 - Fixed Term deposits
None - Interest Account
Investment Options: - Daily Interest Tiered Savings Account
- Short term Deposits 30 - 364 days.
- Guaranteed Investment Certificates for 1 to 20 years
- 3 - 5 year Escalator GICs
- Redeemable term Deposit
- Cashable GICs
- Mutual funds
Rate Guarantee Period on Transfers: Set at time at managers discretion. Normally 30 days.
Annual Administration Fee: None
Cashable GICs: - No - fixed rate GICs
- Yes - 1 year cashable
- Redeemable deposit at predetermined rate at time of issue
GIC Interest Pay-out Options: Monthly, quarterly, semi-annually, annually and compound annually.
RRIF Pay-out Options: Any amount over required minimum from daily interest saving account, term deposit, cashable or mutual funds.
RRIF Payment Frequency: Quarterly, semi-annually, annually or annual compounding.
RRIF Payment Fee: None (except if closed within 1 year $25 fee)
Change in Pay-out Amount: At any time, as long as funds are liquid.
Withdrawal / Transfer Full or Partial: At any time from Savings Account or cashable GICs, Fixed Term GICs must be matured. No fees apply. Transfer out fee $30
Statements: Annually, otherwise monthly if transaction occur.
Are illustrations produced as part of Policy or Contract: Yes, by request only.
Market Value Adjustment on Demise of RRIF Owner: - Estate/Beneficiary None None, Fund value.
Other: Offer higher GIC rates dependent upon portfolio value and relationship

Data extracted from The Fiscal Reports - Registered Retirement Income Funds and Life Income Funds, Report # 11 - 1 and provided as a generic product illustration only - issuers of such products may have some, but not all of the features shown.

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