Enrolling in your group program with Standard Life Express TM Plan for life TM.

Enrolling in your group program

with Standard Life ExpressTM

Plan for lifeTM

Company nameBroker/Advisor and LogoDate

Plan for lifeTM

Broker/advisor name

• xxxxxxxxxxxxxxxxxxx

• Xxxxxxxxxxxxxxxxxxx

• xxxxxxxxxxxxxxxxxxx

• xxxxxxxxxxxxxxxxxxx

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Plan for lifeTM

Key topics

• Enrolling today

• Contributions

• Investments

• Guidance

• Questions and answers

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Plan for lifeTM

How do you feel about your retirement?

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Plan for lifeTM

Did you know?

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Nearly 20% of all Canadians expect their retirement income to be barely adequate and about 10% expect it to be inadequate for retirement.

Statistics Canada –2007 General Social Survey Report: The retirement plans and expectations of older workers (near‑retirees aged 45‑59 were surveyed).

Plan for lifeTM

A dollar a day

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02000400060008000

100001200014000160001800020000

10 years 20 years 30 years

$3,351

$8,810

$17,701$20,000

$15,000

$10,000

$5,000

$0

Plan for lifeTM

How much do I need?

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Experts suggest you will need to replace 70% of your salary.

Keep in mind, your income will come from three sources:

•Government programs (Old Age Security, Canada or Quebec pension Plan)

•Your group savings and retirement program

•Your personal savings (real estate, other savings plans or income)

Plan for lifeTM

Advantages of payroll deductions

In the example below, saving $50 really only costs you $30 on your take home pay. And you pay less in tax.

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$570 to spend

$380in taxes

$50

5% = $50

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How much am I allowed to contribute?

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Limit set by Canada Revenue Agency (CRA)

• 18% of your previous year’s earned income or the dollar maximum stipulated for the current year

Note: It is your responsibility to monitor your limits

Check your Notice of Assessment (only for RRSP and TFSA)

www.cra-arc.gc.ca

Plan for lifeTM

Start now, save more. Regular contributions.

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Same amount of money ($48,000), same investment return (5%), longer period of time… the savings almost double!

You simply earn more by putting aside smaller amounts of money over a longer period of time.

$100/month over 40 years

$200/month over 20 years

$148,856

$81,492

Plan for lifeTM

Pay yourself first.

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Marc

Take home payTax payable

Nancy

Take home payTax payableSavings program

$600

$400$510

$340

$150

Plan for lifeTM

Employee contributions

Your group program

Review the “Summary of Main Provisions” located in your enrolment kit for more plan details and other important information.

Registered Retirement Savings plan (RRSP)

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Plan for lifeTM

What is an RRSP?

The advantages of a Group Registered Retirement Savings Plan (RRSP):

•A convenient, disciplined savings program through payroll deduction

• Immediate tax reductions

•Dollar cost averaging reduces investment risk

•Group buying power – favorable interest rates and lower investment management fees

•Spousal RRSP available (Income-splitting)

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Plan for lifeTM

Termination or retirement

• At termination or retirement:

– Contributions can be cashed out

– Can be transferred to another Registered Retirement Savings Plan (RRSP)

–Can be used to purchase an annuity, or a RRIF

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Plan for lifeTM

Investments

Market-related funds

• Investments are not guaranteed

• Invest in a variety of securities

Fixed Income Funds

Balanced Funds

Equity Funds

Compound Interest Accumulator (CIA)

Daily Interest Account (DIA)

Guaranteed funds

• Little or no risk

• Lower rate of return over the long-term

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Plan for lifeTM

• Fixed Income Funds

-Invest in interest generating investments

-Treasury bills, bonds, mortgages

• Equity Funds

-Invest in equity or shares of corporations

-Canadian equity, American, International

• Balanced Funds

-Invest in a mixture of stocks and bonds

-Portfolio changes as market conditions change

Investments

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Plan for lifeTM

To find out more…

• Consult the back of your enrolment form for a complete list of fund options

• The “rates of return” and “fund summaries” can provide useful information to compare investment performance and any fees charged by the investment manager

Your Investment options

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Plan for lifeTM

Choosing your investments

It’s simple and easy…

You need to know two things to start investing

• Your investment period

• Your investor profile

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Your investor profile

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Plan for lifeTM

One page fund summaries

• Information on fund manager

• Objective, style of fund

• Top 10 holdings

• Portfolio composition

• Gross rates of return

• Fund summaries

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Plan for lifeTM

Avenue portfoliosTM

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• Automatically rebalanced within each portfolio

• Automatically risk-adjusted as you age

Investor profile

Inve

stm

ent

per

iod

Conservative >25 years

Conservative 20 - 25 years

Conservative 15 - 20 years

Conservative 10 – 15 years

Conservative <10 years

Moderate >25 years

Moderate20 - 25 years

Moderate15 - 20 years

Moderate10 – 15 years

Moderate<10 years

Aggressive >25 years

Aggressive20 - 25 years

Aggressive15 - 20 years

Aggressive10 – 15 years

Aggressive <10 years

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Lifecycle movement

• Ensures that your chosen Avenue portfolio remains appropriate as your investment period shortens

• Activated when you pick Avenue portfolios but you can deactivate it at any time

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More than 25

20-25 years

15-20 years

Less than 10

10-15 year

Plan for lifeTM

Systematic Asset Rebalancing

• Rebalances your Avenue portfolio to ensure your level of risk always remains aligned to your investor profile

• Activated when you pick Avenue portfolios but you can deactivate it at any time

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Equity 50%

Fixed 50%

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Picking your own investments

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Plan for lifeTM

The Monitored Avenue Portfolio Program (MAPP): once your particular investment solution is chosen it is then thoroughly monitored to ensure that there is no deviation in the portfolio’s long-term investment objective. Any changes triggered by the monitoring will be transparent and seamless for you.

Monitored Avenue Portfolio Program

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Plan for lifeTM

Spousal RRSP account

Employee account

Spousal account

Group RRSP

• Your contributions

• Your tax deduction

• Account in your name

• Your contributions

• Your tax deduction

• Account in spouse’s name

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Plan for lifeTM

Spousal RRSP account

Comparison of splitting retirement income

Income Taxes paid Money kept

Spouse #1 $50,000 $15,073 $34,927

Spouse #2 0 0 0

Income splitting

Spouse #1 $25,000 $ 5,096 $19,904

Spouse #2 $25,000 $ 5,096 $19,904

Total combined $50,000 $10,192 $39,808

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Plan for lifeTM

Your VIP Room and Retirement calculator

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Plan for lifeTM

Know your rights and responsibilities

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It’s your right to receive information about:

•the features of your group program

•the investment options available to you

•the tools and services we offer

It’s your responsibility to:

•use the information and tools provided by your employer and Standard Life

•seek information about the rules and features of your plan(s)

•choose contribution amounts and investments when and where applicable

•seek financial and legal advice

Plan for lifeTM

Online enrolment

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Online enrolment

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Online enrolment

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Plan for lifeTM

Online enrolment

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Plan for lifeTM

Online enrolment

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Plan for lifeTM

Online enrolment

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Plan for lifeTM

Online enrolment

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Online enrolment

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Plan for lifeTM

Online enrolment

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Plan for lifeTM

Online enrolment

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Online enrolment

Plan for lifeTM

Online enrolment

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Plan for lifeTM

Account statements

• Summary of your account, detailed information about your plans

• Includes your Retirement checkup TM

• Sent directly to your home or online in your VIP Room

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Plan for lifeTM

What you need to do?

• Read through the enrolment material provided

• Complete the investor profile questionnaire

• Choose an Avenue portfolio or pick your own À la carte funds

• Complete the enrolment process by the target date set by your employer and return the signed beneficiary designation form back to your employer who will forward it to Standard Life

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Plan for lifeTM

Questions?

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1-800-242-1704

www.standardlife.ca

[email protected]

Plan for lifeTM

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