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𝙖𝙡𝙡𝙥𝙩𝙧57
𝙖𝙡𝙡𝙥𝙩𝙧57
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Monday 03 August 2026 05:48:22 GMT
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دخوليه ملا سيد فاقد كربلاء
دخوليه ملا سيد فاقد كربلاء
The most important number in your retirement plan is the gap between your guaranteed income and what it costs you to live. A life annuity closes that gap permanently. You give an insurer a lump sum. They pay you monthly. For life. A personal pension. I’m not usually a fan of certain types of insurance products but this one can be a great tool to consider with an expert. In 2026, a 65-year-old male in Ontario gets ~$560/month per $100K. Rates are up 20-30% from a few years ago. The engine behind it: mortality credits. When people pool money, those who die earlier subsidize survivors. Milevsky (York University) showed a 75-year-old gets roughly 2x the income vs bonds. No portfolio replicates that. So why does nobody buy one? 72% preferred an annuity described as “guaranteed income for life.” Only 21% wanted it described as “investing $100K for a return.” Same product. Different words. (Brown et al., AER, 2008) Expert consensus: Vettese (~20% of RRSP). Milevsky (“pensionize your essentials”). OECD (partial as default). And once you buy one, optimal equity allocation for the rest goes UP to 95% (Blanchett & Finke, 2018). The annuity replaces bonds. Worth exploring if: no DB pension, withdrawal rate above 3-4%, near OAS clawback, or you want to sleep better at night. Retirees with $3K/month guaranteed spend 2x as much as those withdrawing from savings. Certainty is its own return. (Finke & Pfau, 2024) Not advice. Talk to a fee-only planner. #retirement #annuities #retirementplanning #PersonalFinance #canadianfinance ​​​​​​​​​​​​​​​​
The most important number in your retirement plan is the gap between your guaranteed income and what it costs you to live. A life annuity closes that gap permanently. You give an insurer a lump sum. They pay you monthly. For life. A personal pension. I’m not usually a fan of certain types of insurance products but this one can be a great tool to consider with an expert. In 2026, a 65-year-old male in Ontario gets ~$560/month per $100K. Rates are up 20-30% from a few years ago. The engine behind it: mortality credits. When people pool money, those who die earlier subsidize survivors. Milevsky (York University) showed a 75-year-old gets roughly 2x the income vs bonds. No portfolio replicates that. So why does nobody buy one? 72% preferred an annuity described as “guaranteed income for life.” Only 21% wanted it described as “investing $100K for a return.” Same product. Different words. (Brown et al., AER, 2008) Expert consensus: Vettese (~20% of RRSP). Milevsky (“pensionize your essentials”). OECD (partial as default). And once you buy one, optimal equity allocation for the rest goes UP to 95% (Blanchett & Finke, 2018). The annuity replaces bonds. Worth exploring if: no DB pension, withdrawal rate above 3-4%, near OAS clawback, or you want to sleep better at night. Retirees with $3K/month guaranteed spend 2x as much as those withdrawing from savings. Certainty is its own return. (Finke & Pfau, 2024) Not advice. Talk to a fee-only planner. #retirement #annuities #retirementplanning #PersonalFinance #canadianfinance ​​​​​​​​​​​​​​​​
Si hay algo que nunca falta en mi rutina antes de dormir es un buen serum de pestañas ✨🤍 He estado usando el serum de pestañas de@epais y me gusta porque se siente ligero, no me irrita los ojos y poco a poco he notado mis pestañas más fuertes y con mejor apariencia. 🫶🏻 Obviamente no es magia de un día para otro, pero la constancia hace toda la diferencia. Si estás intentando recuperar tus pestañas después de extensiones o simplemente quieres cuidarlas, este es un buen paso para agregar a tu rutina. 💕 ¿Ustedes son constantes con el serum de pestañas o siempre se les olvida? 👀 #lashserum #epais #beautyroutine #skincareroutine #longlashes
Si hay algo que nunca falta en mi rutina antes de dormir es un buen serum de pestañas ✨🤍 He estado usando el serum de pestañas de@epais y me gusta porque se siente ligero, no me irrita los ojos y poco a poco he notado mis pestañas más fuertes y con mejor apariencia. 🫶🏻 Obviamente no es magia de un día para otro, pero la constancia hace toda la diferencia. Si estás intentando recuperar tus pestañas después de extensiones o simplemente quieres cuidarlas, este es un buen paso para agregar a tu rutina. 💕 ¿Ustedes son constantes con el serum de pestañas o siempre se les olvida? 👀 #lashserum #epais #beautyroutine #skincareroutine #longlashes
﴿إِنَّ رَبِّي لَسَمِيعُ الدُّعَاءِ ۝ رَبِّ اجْعَلْنِي مُقِيمَ الصَّلَاةِ وَمِن ذُرِّيَّتِي ۚ رَبَّنَا وَتَقَبَّلْ دُعَاءِ﴾🤍🌿 سورة إبراهيم القارئ | محمد صديق المنشاوي - #المنشاوي #quran #قران_كريم #راحة_نفسية #fyp
﴿إِنَّ رَبِّي لَسَمِيعُ الدُّعَاءِ ۝ رَبِّ اجْعَلْنِي مُقِيمَ الصَّلَاةِ وَمِن ذُرِّيَّتِي ۚ رَبَّنَا وَتَقَبَّلْ دُعَاءِ﴾🤍🌿 سورة إبراهيم القارئ | محمد صديق المنشاوي - #المنشاوي #quran #قران_كريم #راحة_نفسية #fyp

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