Introduction

A strategy for sustainable retirement income

The financial services industry has long been focused on helping clients accumulate the assets they will need for a comfortable retirement. There are unique risks that investors face in retirement and the focus must shift more towards developing a retirement income strategy that can help ensure they don’t outlive their savings.

Placing an investor’s assets in the optimal proportion into three distinct product categories, each with their own unique features and guarantees, is the theory behind Product Allocation’s innovative approach to ensuring a desired lifetime retirement income is available for your clients. When you practise Product Allocation, you are optimizing your client’s retirement income potential while helping to minimize financial risks.

Manulife provides you with access to the Product Allocation Tool that was developed in conjunction with industry expert
Dr. Moshe Milevsky and the QWeMA Group Inc. The Tool offers guidance on how much of a client’s wealth should be allocated to each product category using unique algorithms. It creates an optimal mix of product categories based on a client’s financial situation and can be adjusted to help meet individual retirement goals and maximize the potential sustainability of their retirement income.

To learn more about the retirement risks for Canadians approaching or already in retirement.

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Products of Product Allocation

What is RSQ ?

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Building guaranteed income for retirement

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FAQs

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rsq@manulife.com

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The Product Allocation Tool is intended to be used as a complement to advisors’ review and analysis of their clients’ portfolios. Any output or recommendations from the Product Allocation Tool do not replace or supercede KYC (know your client), suitability, needs analysis, or any other regulatory requirements.

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