# 17 ASSETS: Severance Pay, RRSP and RIF 8-2 # 18 NET WORTH CALCULATION 8-4 # 19 MONTHLY RETIREMENT INCOME 8-6 # 20 MONTHLY RETIREMENT EXPENSES 8-7
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1 What re you doing after work? Finance D, 8-1 Finance D WORKSHEETS HANDOUTS # 17 ASSETS: Severance Pay, RRSP and RIF 8-2 # 18 NET WORTH CALCULATION 8-4 # 19 MONTHLY RETIREMENT INCOME 8-6 # 20 MONTHLY RETIREMENT EXPENSES 8-7
2 What re you doing after work? Finance D, 8-2 HANDOUT # 17 ASSETS: Severance Pay, RRSP and RIF SEVERANCE PAY Some people may be entitled to severance pay usually calculated based on the years of service. s may be entitled to a payment for unused sick leave. It should be noted that this is taxable income in the year it is received. Please refer to Handout # 13 for ways to shelter some of the payment in an RRSP. RRSP For this, you should talk to your financial advisor. If you are in a defined contribution, your money may be in some form of RRSP. Whenever you take out the money, it is taxable at the marginal rate for that year. Thus it is likely very unwise to draw it all out the moment you retire. You don t have to take out any money until 71 but may opt to do so sooner. By December 31 of the year you turn 71, you must convert your RRSP to a RIF. It is really the same fund but with a withdrawal formula attached. How is the RIF payment calculated? Although the Income Tax Act requires you to make a minimum annual withdrawal from your RIF, there are no limitations on a maximum withdrawal. You can control how much you take out each year and can alter the amount at any time. Thus the withdrawals can be scaled to your needs. The minimum withdrawal amount is dependent on your age or that of your spouse and your RIF balance on December 31 st of the previous year. You must begin drawing from your RIF accounts by the end of the year that you turn 71. If your spouse is younger then you are, you can use their age to lessen your minimum withdrawal.
3 What re you doing after work? Finance D, 8-3 Age of You or Your spouse Annual Minimum Withdrawal ( % of RIF on Dec 31 of previous year) Age of You or Your spouse , , & older What happens to my RIF if I die? Annual Minimum Withdrawal ( % of RIF on Dec 31 of previous year) If you designate your spouse as the beneficiary of your RIF, the balance of your RIF capital can be rolled over tax-free into your spouse s RRSP or RIF, or it may be used to buy an annuity. You may also designate a dependent child or grandchild as the beneficiary of your RIF, and the balance may then be rolled over tax-free into an annuity providing equal annual payments until the child or grandchild turns 18. If the child is infirm, your RIF may be transferred tax-free to his or her RRSP, RIF or annuity. If you name your estate as the beneficiary of your RIF, your entire plan will be collapsed at the time of your death. The amount of RIF capital that goes into your estate will be added to your income for that year. Your estate will be liable for income tax on the full amount. If you designate someone other than a spouse or dependent child or grandchild as beneficiary, that person will receive the full balance of the RIF capital in the form of a cash payment but your estate will be liable for income tax on the full amount. It is important that you designate a beneficiary of your RIF. You should seek professional legal and tax advice to ensure proper estate planning.
4 What re you doing after work? Finance D, 8-4 HANDOUT # 18 NET WORTH CALCULATION INVENTORY OF ASSETS Savings & Chequing Accounts Tax Free Savings Account & Term Deposits Savings Bonds Cash Value of Life Insurance $ Stock Shares INVESTMENTS $ $ Bonds Real Estate & Land ( not your own residence ) Funds RETIREMENT SAVINGS Pension Funds RRSP s Severance pay, buy-out, lump sum payment PERSONAL ASSETS Principal Residence Secondary Residence Automobile ( e.g. art, jewelry, furnishings ) $ $ $ $ $ Total Assets $
5 What re you doing after work? Finance D, 8-5 INVENTORY OF LIABILITIES SHORT TERM DEBTS Credit Cards Overdrafts, line of credit $ $ INTERMEDIATE-TERM DEBTS Car Loan Investment Loan $ $ LONG-TERM DEBTS Mortgage $ _ $ Total Liabilities $ Total Assets Total Liabilities NET WORTH $ $ $
6 What re you doing after work? Finance D, 8-6 HANDOUT # 19 Monthly retirement income Government pensions Canada/Quebec Pension Plan Old Age Security (+ GIS + Allowance) (e.g., foreign) My income Spouse s income Workplace pension Pension plan (current) Pension plan(s) (other) Monthly income from RRSPs and other registered investments Monthly income from other investments Stocks, bonds, GIC s, mutual funds, annuities, income property, other Business/net employment income TOTAL gross income at retirement Less taxes TOTAL net income at retirement plus TOTAL net family income
7 What re you doing after work? Finance D, 8-7 HANDOUT #20 Monthly retirement expenses Home Today When I retire Mortgage, rent Property taxes Repairs, renovations Heating Electricity Water House cleaning Cable television, video rentals Telephone Computer, internet access, ink, paper Furniture, drapes, carpets, artwork Appliances Garden, plants Snow removal Food Grocery store Meals away from home Entertaining at home Delivery meals Liquor Tobacco Health Medical (not covered by insurance Prescription drugs Non-prescription drugs Dental Physio., chiro., massage Counselling, therapy Glasses Health club Exercise equipment, e.g., hearing aid, walker
8 What re you doing after work? Finance D, 8-8 Transportation Vehicle purchase, lease, car share Fuel Vehcle insurance Vehicle and driving licences Vehicle maintenance, repairs, washes Parking Tolls Public transportation Air fares Train fares Work Tools, equipment Work clothes, foorwear Union, professional dues Work related transport Personal Sports activities, green fees, race fees Hobbies Hair, cosmetics Clothing, footwear Dry cleaning, laundry Leisure, entertainment Vacations Cottage, time share Vacation leased vehicle Attendance at sports events Shows, theatre, concerts Visits to museums, art galleries Papers, magazines, books Education (course fees, text books) Membership fees
9 What re you doing after work? Finance D, 8-9 Insurance Health insurance Life insurance Disability insurance Home insurance Travel insurance Critical care insurance Loans and savings Car loan Personal loan Credit cards Line of credit loans Retirement savings, RRSP s savings Miscellaneous Alimony payments Child support payments Gifts (birthdays, etc.) Family care Elder care Donations: political Donations: charitable Donations: faith groups Pets, e.g. funeral expenses TOTAL CURRENT EXPENSES TOTAL RETIREMENT EXPENSES
10 What re you doing after work? Finance D, 8-10 `````````````````Calculations Worksheet
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