Conservative Anchor
3.8 – 5.2% / yr
- 70% bonds & GICs
- 20% blue-chip equities
- 10% cash equivalents
For investors within 5 years of retirement.
Coop with Adam helps Canadians decode RRSPs, TFSAs, CPP and private pension funds. Independent guidance, transparent fees, real numbers.
A pension fund is a pool of capital — yours and your employer's contributions — invested over decades to fund your retirement income. In Canada, you'll typically combine government programs (CPP, OAS), workplace pensions (DB or DC), and personal vehicles like RRSPs and TFSAs.
The right mix depends on your timeline, risk tolerance, and the lifestyle you want at 65, 70, or beyond. We help you see the full picture.
Three risk profiles, infinite combinations. Each portfolio is mapped to your retirement horizon.
3.8 – 5.2% / yr
For investors within 5 years of retirement.
5.5 – 7.8% / yr
For 10–20 year horizons seeking steady growth.
7.5 – 10.4% / yr
For 20+ year horizons with higher risk tolerance.
Guaranteed monthly income for life. Predictable, but inflexible — best paired with other sources.
Convert your RRSP into a Registered Retirement Income Fund by age 71. Minimum withdrawals required, full control retained.
Take a portion as cash, invest the rest, and draw a sustainable percentage annually (typically 3.5–4%).
Blend an annuity floor with a flexible drawdown portfolio — security plus upside.
30 minutes, no commitment. We map your current pension setup.
We analyze fees, allocation, tax exposure and projected income.
You receive a written plan with scenarios and recommended actions.
Markets shift, life shifts. We rebalance with you every year.
Drop your question about pensions, RRSPs, payouts or fees. We respond within one business day — no obligation.
"Adam restructured my DC plan and saved me $1,100/yr in hidden fees."
— Margaret L., Toronto
"Finally someone who explains CPP timing in plain English."
— Jean-Paul R., Montréal
"The roadmap gave my wife and I confidence to retire two years earlier."
— David & Anne S., Calgary