GMFSI Retirement Income Planning Suite

Retirement Income Drawdown Premium V2.4

Estimate how long retirement assets may last, coordinate portfolio withdrawals with CPP, OAS, pensions, and other income, compare sequence-of-return scenarios, and identify potential income-sustainability risks.

Premium Retirement Income Edition • Enhanced Guide

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Retirement Income Inputs

Enter the retirement assets, income, withdrawal, inflation, and return assumptions.

Client Name Client Email

Current Age Planning To Age Retirement Start Age

Registered Assets

TFSA Assets

Non-Registered Assets

Annual CPP Income

Annual OAS Income

Annual Pension / Other Income

Desired Annual Retirement Income

Annual Inflation Annual Investment Fees

Expected Return Before Fees Conservative Return Scenario Early-Retirement Shock

Shock Year Annual Income Tax Estimate Withdrawal Timing

Retirement Income Sustainability Score 0/100

Your retirement drawdown analysis will appear here.

Initial Portfolio Withdrawal$0

Initial Withdrawal Rate0%

Projected Portfolio at Plan Age$0

Potential Depletion Age—

Portfolio Drawdown Projection

Scenario Comparison

Conservative Scenario$0

Expected Scenario$0

Early Shock Scenario$0

How to Interpret Your Drawdown Results

These scenarios are planning illustrations rather than forecasts. Compare the paths to understand how the retirement-income strategy responds to different return patterns.

Conservative Scenario

Uses the lower annual-return assumption throughout retirement. It tests the plan under weaker long-term investment growth.

Expected Scenario

Uses the expected return before fees, less the annual investment fee entered. It is the central planning case—not a guaranteed result.

Early Shock Scenario

Applies the selected market decline in the chosen retirement year while withdrawals continue, then resumes the expected return assumption.

What “Shock Year 1” Means

A first-year market decline occurs while retirement withdrawals are beginning. This can leave less capital invested for the subsequent recovery.

Line remains above zero: assets are projected to support withdrawals through the planning age under that scenario.
Line reaches zero: assets may be depleted before the planning age under the assumptions entered.
Large gap between Expected and Early Shock: the strategy is more sensitive to poor returns early in retirement.
Higher initial withdrawal rate: increases pressure on the portfolio, particularly during weak markets.
Meaningful ending balance: may provide flexibility for longevity, healthcare, legacy goals, or future market weakness.

Retirement Income Details

Total investable assets$0

Guaranteed / pension income$0

Required portfolio income$0

Estimated after-tax income target$0

Years in projection0

Suggested review frequency—

Suggested planning focusComplete the analysis

Complete the planner to generate your retirement-income drawdown report.

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Educational planning illustration only. Results are not guarantees and do not constitute investment, tax, legal, pension, or retirement-income advice. Actual outcomes may differ because of market returns, sequence of returns, inflation, fees, taxes, withdrawals, CPP/OAS rules, pension indexing, longevity, asset location, required RRIF withdrawals, product guarantees, and changes in personal circumstances.

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Retirement planning is about more than reaching a savings target. Explore the kinds of personalized projections that can bring your retirement income, investments, taxes, CPP, OAS, real estate, insurance and estate objectives together in one coordinated picture.

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GMFSI Retirement Income Drawdown Calculator