Assumptions

Assumptions: Full OAS for both (this year's values) CPP based on Income / YMPE to maximum 100% (using this year's values) Inflation 2% Wages to match inflation All figures in today's dollars. (remember what this means to your rate of return) Both expected to remain with same employers and positions Income in retirement will come from the following sources only: O CPP OAS RPP RRSPS Current mortgage payment $2,200 / month Current other debt payments $140 / month . Desired income in retirement $118,000 before tax less debt payments since debt is assumed paid off in retirement Retirement at age 65 Life expectancy based on FPSC mortality tables. Bob 90 o Jane 94 Inflation must be subtracted from rate of return on investments