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Guaranteed Minimum Lifetime Income [GMWB]

The Retirement Problem

Retiring - The risks

Sunwise Elite Plus - A Solution

A Guaranteed Minimum Income

YOU CAN HAVE YOUR CAKE AND EAT IT TOO!

Guaranteed Minimum Lifetime Income at Retirement [GMWB]

Here is the Cake

Initiate Savings Plan

Set up an account with an initial deposit, say $50,000 or $100,000, or more..

Add additional deposits till retirement; or not; - your choice

Invest in a wide variety of investment choices, some 50 to choose from based on your risk tolerance

Capital Guarantees of 75% at maturity (10 yrs) or death; alternatively, 75% maturity and 100% at death.

Select the GMWB option to take your retirement income in annual/monthly installments.

Retirement income can start as early as age 65, or later if you wish.

Prior to taking income, a guaranteed minimum 5% bonus is added to your deposits annually for up to 15 years.

You can start an RRSP, RRIF, Open account or a Tax Free Savings account or, all of the above.

At Retirement - take the accumulation and create a

GUARANTEED Income - so it cannot be lower

MINIMUM Guarantee - So the income could be higher,

LIFETIME Income - so its for the rest of your life,

RESET to a NEW HIGHER MINIMUM GUARANTEE, If investment results are better that the Minimum Guarantee, tri-annually.

A Saving and Investment program that provides:

a minimum Capital Guarantee
a Guaranteed Minimum investment bonus of 5% annually for up to 15 yrs
a Guaranteed Minimum Lifetime Income

And Then You Can Eat it Too

Plus

A market driven upside opportunity that can increase the Value of your Portfolio and
your Guaranteed minimum income - and
this has the potential to improve indefinitely.

WOW !!

Now for the Realities of the Past Year or so

If you have been invested in the market in the past year, with the TSX having lost 40%, Dow 45%,, NASDAQ 40%

you are undoubtedly in the camp of unhappy campers.

If you got out of the market at the bottom wondering when to get back in and sitting in Money market at 1.5%;

Your even more depressed

If your close to retirement, Lost heavy in the marketAnd sitting on the sidelines,with only a few years to retirement

You are totally at a loss as to what to do now.

Stay on sidelines to Preserve capital and earn 1.5%

Go back to the market and risk what’s left as the recession is not over yet.

Put what’s left under the mattress and earn nothing.

If you had accumulated $250,000 in RRSPs up to July of 2007 even with a good money manager, its quite possible you lost 30% and are now left with only $175,000.

Now consider this.

To get back to $250,000 you will need to gain 43% on your money.

That’s nearly 5 years at 8% annual rate of return, assuming a straight upward growth.

But the economy is not out of the woods yet, there is still the downside risk to this strategy.

But as I said at the TOP

YOU CAN HAVE YOUR CAKE and

EAT IT TOO!

Consider a Saving and Investment program that provides YOU with a comfort level knowing that you have a:

· a minimum Capital Guarantee *

· a Guaranteed Capital Accumulation growth bonus, prior to income*

· a Guaranteed Minimum Lifetime Income