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Investment Strategies for Retirees


This 3 lesson course will teach the advisor appropriate investment strategies along with new products and services created with the client’s needs in mind.

LESSON 1: Investing During Retirement

Section 1 - In this section, you will read about:

  • Risks of Reverse Dollar Cost Averaging
  • Risk of Market Correction in Transition Phase before Retirement
  • Risk of Inflation
    • How Inflation Hurts Retirement Portfolios
    • Inflation and Secular Trends

Section 2 - In this section, you will learn about the types of income available to your client in retirement:

  • Types of Income
    • Interest
    • Dividends
    • Capital Gains
  • Types of Income Arising from Depletion of Capital
    • Return of Capital
    • Annuity Payments
    • Systematic Withdrawal Plans

Section 3 - Become familiar with some sophisticated fixed income strategies:

  • Fixed Income Risks and Strategies
    • Fixed Income Risks
    • Fixed Income Strategies
      • Laddering
      • Barbells Strategy
      • Bullets Strategy

Lesson 2: Fixed Income Products and Equities

Section 1 - In this section, you will read about:

  • Guaranteed Investment Certificates (GICs)
    • Guaranteed Return GICs
      • Compound Interest GICs
      • Regular pay GICs
      • U.S. GICs
      • Redeemable (or cashable) GICs
      • Escalating (or step-up) GICs
      • Laddering Package of GICs
      • Extending and Blending GICs
    • Variable Return GICs
      • Interest-linked GICs
      • Market-linked or Index-linked GICs
  • Bonds and Debentures
    • Convertible Bonds and Debentures
  • Principal Protected Notes (PPNs)
  • Mortgage-backed Securities (MBS)
  • Real Return Bonds

Section 2 - In this section, you will learn about the types of equity strategies:

  • Equity Strategies for Income
    • Dividends
    • Split Shares
    • Covered Call Writing
    • Income Trusts

Lesson 3: Mutual Funds, Annuity Products, Monetization

Section 1 - In this section, you will read about :

  • Mutual Funds
    • Bond Funds
    • Dividend Funds
    • Monthly Income Funds
    • Life-Cycle Funds (LCFs)
    • Segregated Funds
  • Annuity Products
    • Types of Annuities
    • Annuity Features and Special Types

Section 2 - In this section, you will learn about:

  • Monetization Strategies and Reverse Mortgages
    • Monetization Strategies
    • Reverse Mortgages

Section 3 - In this section, you will become familiar with

  • Investment Products Specifically Designed for Retiring Boomers
  • Recent Innovations in Income Products and Solutions
    • Income Management Accounts
      • Simplification of Income Sources
      • Simplification of Collecting Income and Making Payments
    • Ways to Provide Flexible Income
      • Variable Annuities
      • Tax-Efficient Income through Return of Capital (ROC) PPNs
      • Guaranteed Minimum Withdrawal Benefits (GMWB
Quiz Format Online
Question Format Multiple Choice
Questions Per Quiz 20
Passing Grade 60%*
Attempts Allowed Unlimited*
Enrolment Period 6 months

* IMPORTANT: There is no maximum to the number of quiz attempts permitted, but only the first passing grade (60% or over) will appear on official web transcript.

Continuing Education (CE) Credits

Click the links below or the buttons at the top of the page on the right side to access CE accreditation information. To search for specific course information, press Ctrl + F and then enter the course name to search the document for the information you are interested in.

National/Provincial (Excluding Quebec)
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Quebec (IQPF/CSF)
Download IQPF/CSF Chart (PDF, 182 kb)

Please note: While CSI makes every effort to ensure that the information is up-to-date, we are unfortunately unable to fully guarantee its accuracy. The information listed in the charts above may be subject to change.

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