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Nakul is going to receive a non-indexed pension of $23,000 a year. He expects to be retired for 30 years. He further expects inflation to average 2.5% during his retirement and can buy an annuity yielding 8%. He will discount this income using: a. 2.50% b. 5.50% c. 8.00% d. 5.37% Scarlet decides that she will deposit $10,000 at the beginning of the next 6 years in an account at her bank that will pay her 5.25% compounded quarterly. How much will she have at the end of the period? a. $68,448 b. $72,042 C. $68,628 d. $72,303 Sequence of returns risk is: a. the risk that you do not take into account the real rate of return. b. the risk that the portfolio has three or more years of negative returns before there is a year of positive returns. c. the risk that your portfolio experiences negative rates of return just as you begin making retirement income withdrawals from the portfolio. d. the risk that you may not be able to sequence your returns properly due to a cognitive impairment. Sonia is a moderately successful attorney and earns $150,000 annually. She contributes 18% of her income to her own personal RRSP. She does not have an employer sponsored pension plan. What is her pension adjustment if the money purchase limit is $30,780. a. $23,400 b. $0 c. $27,000 d. $30,780