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IP-Profiler - Retirement
RRIF - Long-Term Interest Rate Guaranteed

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 - Long-Term Interest Rate Guaranteed
Questions to Ask: Answers you may find:
Minimum Deposit: $10,000 initial
$2,500 additional
Investment Terms: - Daily interest savings account
- 1, 1 1/2, 2, and 2 1/2 years
- 3 - 5, 10, 15, 20 years
- Pooled funds - Equity, Bond, Balanced & Money Market
Rate Guarantee Period on Transfers: 45 calendar days with letter of commitment for transfer of $10,000 or more.
Annual Administration Fee: None
Cashable Investments: Yes, subject to market value adjustments before end of term.
Interest Payment Method: Compound annually at original rate. Fixed terms over 10 years simple interest only.
Interest Bands:
(Bonus interest for larger deposits)
$10,000 - $24,999
$25,000 - $49,999 - +.375%
$50,000 - $99,999 - +.50%
$100,000 and over - +.625%
$200,000 ask for special rate.
(None on Daily Interest)
RRIF Pay-out Options: - Minimum payments
- Customized income
- Fixed income
- Indexed payments
- Lump sum withdrawals
- Level income payments for life
- Level income payments for fixed period
- Interest only payment (from Guaranteed accounts)

RRIF Pay-out Frequency and Rate Reduction where applicable: Annual, Semi-annual, Quarterly, Monthly
RRIF Payment Fee: None
Change in Pay-out Amount: Client may change payout (in combination with other transactions) twice a year without charge.
Market Value Adjustment may apply if payout is greater than maximum payout.
Withdrawal/Transfer Full or Partial: Subject to Market Value Adjustment if before end of term, for Guaranteed Accounts only.
Issue Ages: Minimum 50 - Up to age 90
Statements: Semi- annually
Are illustrations produced
as part of Policy or Contract:
Yes, illustrations are produced, but not as part of contract.
Market Value Adjustment
on Demise of RRIF Owner -
Estate / Beneficiary:
Investment may transferred to spouse without adjustment, otherwise Market Value adjustment may apply on fixed term products.
Other: If contract is issued by a Life Ins Co. - beneficiaries receive greater of value of investment funds or 100% of all investment fund deposits made to age 65 + 75% of all investment fund made after age 65 less any withdrawals.
Type of Investment Funds: Equity Fund, Bond Fund, Balanced Fund, Money Market Fund, Income Protection Fund.

Data extracted from The Fiscal Reports - Registered Retirement Income Funds and Life Income Funds, Report # 11 - 2 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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