Your Retirement Strategy is a personalized, easy-to-read retirement plan. Simply complete the 12 questions and 'calculate', we will advise you of the savings amount required to meet your retirement goal. Once you complete the questionnaire you may: Change any of your answers to produce a different outcome by completing a second or third plan. View your plan online (Adobe Acrobat required).  Click here to download  All fields are mandatory in order to prepare a complete Your Retirement Strategy plan.

Determine Your Retirement Goals       The following questions will help you define your goals.       1. What is your total personal annual income before taxes?   $ per annum       2. It is suggested you should base your retirement income needs on 60 - 80% of your current personal annual income before tax, as stated in question 1. If you anticipate your income will increase in the future, it is recommended you revise your retirement plan when your income changes. What is the annual income before taxes you would like to have during retirement in today's dollars? $ per annum       3. You would like to retire at what age?       4. What is your date of birth? (mm/dd/yyyy)        Determine Your Retirement Income Sources       Next you need to determine how much income you can expect to receive and from   what sources. Your retirement income will likely come from a combination of these   three main sources:   Government Benefits       5. Do you wish to include government benefits in your retirement plan?    Yes No To be conservative, your plan will assume you will receive 50% of the maximum government benefits at age 65, i.e., Canada Pension Plan (CPP) and Old Age Security (OAS). You can elect not to include these benefits by indicating "No." If you are not a member of a company pension plan, proceed to question 7.         Company Pension Plans           If you are unsure about the details of your plan(s), we recommend you refer to your pension statement or contact your company's pension plan administrator. Alternatively, you can elect to provide an estimate.       6. a) If you are a member of a defined benefit pension plan, how much do you expect to receive at your desired retirement date in today's dollars? $     per month    per annum If you plan to retire before your plan's Normal Retirement Age, be aware that a reduction in pension amount may apply. b) If you are a member of a defined contribution pension plan what is the current value of your plan and your total monthly contribution (both your contribution and your employer's)? Current Value $ Total Monthly Contribution $ per month       Personal Retirement Savings         7. What is the current value of your total personal Registered Savings Plan (RSP) investments held in your name? Include the value of Spousal, Locked-In, and/or Group RSP(s). Please include the current value of RSPs held at all financial institutions. This would include Spousal RSPs where you are the planholder not the contributor. Total Personal RSP(s): $ Current Value        Determine Your Investor Profile       The following questions will assist us in determining your Investor Profile so that   we can provide you with an investment strategy.       8. Which of the following statements most clearly defines your retirement investment objectives? Please choose one of the following: A. I want to ensure my capital is safe and I do not need income at this time. B. I require a steady stream of income from my investments. C. I have some need of income, but am also interested in capital growth. D. I would like long-term growth and I am less concerned about income at this time. E. I am only interested in growth over the long run.         9. Your current investments are best described as follows: Please choose one of the following: A. Little or no investment experience. B. Mostly T-bills, GICs or Term Deposits. C. Mostly bonds, strips or income mutual funds. D. A mix of money market, bond and stock investments and/or mutual funds. E. Mostly stock or stock mutual funds.      10.  Investments with higher returns typically involve greater risk. This question asks you to consider this aspect in your selection of a $10,000 hypothetical investment with widely varying potential risk/rewards. Please choose one of the following: A. Value of Investments after 5 years B. C. D.      11.  You respond to fluctuations in your investments in the following manner: Please choose one of the following: A. I will sell quickly any time my investment loses value or money. B. Day-to-day market movements make me uncomfortable. If an investment loses value over a 3 to 6 month period, I am likely to sell it and look for a better alternative. C. I realize that markets may rise and fall randomly. I usually watch my investments for at least a year before making changes. D. I believe that a long-term investment strategy will maximize potential returns. Even if poor market conditions resulted in sizable losses in a given year, I stay invested.      12.  The current value of your total RSP and non-registered investment portfolio, including investments held at other institutions (i.e. mutual funds, stocks, bonds, GICs, money market investments, savings/chequing accounts), but excluding real estate is: Please choose one of the following: A. Under $25,000 B. $25,000 - $49,999 C. $50,000 - $99,999 D. $100,000 - $250,000 E. Over $250,000        Calculate Your Retirement Savings Goal             The information contained in this form is solely for the informational use of the Investment Advisor and does not supersede any information contained in TD Waterhouse Investment Advice official documentation: the new account "Application Form" and the "Update to Client Agreement Form". In the event of a discrepancy between the information in the various documents, TD Waterhouse Investment Advice official documentation will be deemed to be correct.