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Stewart, age 62 , is now semi-retired. He is collecting the CPP and paying into the PRB. Which of the following statements is not true? a. His PRB is indexed annually and he will receive the amount earned each year that he contributes until he dies. b. He can continue to make PRB contributions as long as he has earned income until age 70. c. His PRB contributions are the same amount that his CPP contributions would be if he were still paying CPP contributions. d. He must stop making PRB contributions when he reaches age 65 . The difference between a defined contribution and a defined benefit plan is: a. A defined contribution plan pays a guaranteed amount of annual pension regardless of what the invested contributions are worth while for a defined benefit, the payout is determined solely by the value of the invested contributions. b. Only employers contribute to defined benefit plans while both employees and employers contribute in defined contribution plans. c. In defined benefit plans, the payout is guaranteed regardless of the value of invested contributions, while in defined contribution plans, the payout is determined solely by the value of the invested contributions. d. A defined benefit plan only allows the investor to invest a diversified portfolio while a defined contribution plan allows the investor to concentrate their holdings into one asset class so that they can maximize their returns. The Evensky \& Katz Cash Flow Reserve Strategy is an example of which income bucketing strategy? a. Asset Class b. Product Type c. Goals d. Tax Status The rate of return of the investment portfolio will affect the retirement income generated from which of the following retirement income benefit programs? a. CPP b. OAS C. DCPP d. DBPP