- In the Savings Phase, clients participate fully in the markets and have a broad range of investment options to choose from, with up to 100 per cent equity. They also benefit from potentially rising interest rates that can enhance their future guaranteed income.
- When clients choose to secure a future guaranteed income rate, they can move some or all of their assets into the Preservation Phase, and have the option of being in both Savings and Preservation phases at the same time.
- Finally, in the Income Phase, clients can elect to draw a partial or full retirement income when needed, starting as early as age 50.
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