Systematic Withdrawal Plans

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	A systematic withdrawal plan (SWP) allows investors to receive a regular income while still maintaining their investments’ growth potential. A SWP includes convenient pay-out options and has several tax advantages. As long as your investment performs at a rate that exceeds your withdrawal rate, your investment will continue to grow. We can help you draw a tax advantaged income from your assets. Diversifying amongst a few funds always makes sense. Please contact us (tel. 416-863-7777 or 1-800-387-9273) to find out more about SWPs. More on systematic withdrawal plans Mutual fund company information AIM/Trimark - Taxation of SWPs Fidelity - SWP Example Templeton - SWP Example and updated chart NEW - The T-SWP or T-Series Recently, Fidelity and Mackenzie have launched "T-SWP" or "T-Series" funds. This next generation of funds provides predictable distributions in a highly tax-efficient manner. It is ideal for investors who want to: enjoy a high level of monthly cash-flow, reduce their short-term tax bill, and participate in the long term growth of mutual funds. When compared to traditional SWPs and other income-producing options, a T-SWP offers investors many tax advantages, including the ability to: enjoy more available cash in hand today, plan when to trigger capital gains tax liability, draw down less of their investments in order to meet cash-flow needs, simplify the accounting for your SWP fund's cost base, potentially reduce their tax bill. Your team of investment advisors would be happy to discuss the costs/benefits of T-SWPs with respect to your individual needs and financial goals. Please email us or contact our service centre at 416-863-7777 or 1-800-387-9273 to find out if T-SWP / T-Series funds might be a good fit with your financial plan. More on T-SWP / T-Series funds Managed Money Reporter articles "Tax-efficient Systematic Withdrawal Plans" Mutual fund company information Templeton - Tax-efficient monthly cash flow example Fidelity - T-SWP Mackenzie - T-Series
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	Need More Information? Call your Investment Team at 1-800-387-9273 or E-mail us at carl_spiess@scotiacapital.com.
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