Income Plan
Put monthly spending, pensions and portfolio withdrawals in one picture.
Build my income plan Educational illustration · Rough estimates are finePrepare your finances for retirement.
Prepare your portfolio and monthly income for the transition from saving to spending.
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Retirement Planner
Bring retirement timing, CPP, OAS, monthly spending and account balances into one comparison.
Build my retirement plan Uses estimates you can replace with official figures
This phase may fit if…
Retirement is becoming a near-term decision.
You want to know what your savings and pensions could support each month.
You want to reduce the effect of a market decline near retirement.
You need a clear plan for where retirement income will come from.
What matters now
Prepare for the transition
| Action | Description | Tool |
|---|---|---|
| 1. Confirm your goal and timing | Review the retirement date and monthly spending the plan needs to support. | Quick Forecast |
| 2. Design a monthly paycheque | Choose how pensions and portfolio withdrawals may work together, then test the pressure points. | Retirement Income Planner |
| 3. Protect early withdrawals | See how volatility and an early market decline could affect the plan. | Portfolio Risk |
Supporting information
Learn more for this phase
Other tools
Questions for this phase
Understand the transition
Does preparing for retirement mean selling all growth investments?
Not necessarily. Near-term withdrawals may benefit from more stable assets, while later spending may still need long-term growth. Retirement Outlook helps you test that balance rather than treating retirement as one investment date.
Why can a market decline near retirement matter more?
Withdrawals after an early loss leave less money invested for a recovery. This is sequence-of-returns risk. The Portfolio Risk and Income Planner views show it as a stress—not a prediction.