PENSION BUILDER

Introduced in 2011, this product is ideal for security minded people who don't wish to settle for low GIC rates.

UPSIDE
 5% annual increase every year until you start drawing retirement income
 Begin income anytime from age 55
 Guaranteed Income for Life (varies according to age but at age 65 we guarantee 5.25% for life)
 You can’t out live your income
 No Equity Investments! (Invested into bond funds and fixed income products)
 Low MERs which include all fees
 You have full access to the market value of your funds at any time.

DOWNSIDE
 Pension Builder is only ideal for funds you plan to use for retirement
 Exceeding the annual withdrawal threshold may have negative impact on future income payments

This product is offered by Manulife Financial, one of Canada’s largest and most respected financial firms

Call now with any questions you have - Ask for Gordon Hughes at Smart Choice Life (506) 454-3346 or 1-800-471-0411 for details.

Smart Choice Life Inc. is an insurance and investment broker serving New Brunswick, Ontario and PEI with their head office located at 440 York St. Fredericton, NB E3B 3P7 - We can assist people across Canada by referring you to an affiliated broker in your area.

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