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The Advice of Fulfilling Variable Payment Life Annuity Application Form Ubc Pension Pensions Ubc on the Computer

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How Do You Get Variable Payment Life Annuity Application Form Ubc Pension Pensions Ubc and Sign It Instantly?

hello today I'm going to talk to youguys about everything you need to knowabout defined benefit pension plans andwhy did I dress up today because whodoesn't want to listen to a guy wearinga $5,000 suit I'm just joking I wouldnever pay $5,000 for a suit but definedbenefit pension plans are awesome inmost cases and I always kind of laughwhen I read comments on the internetabout people being so mad at people thathave these pension plans because they'relike they're so lucky well you know whatyou could go and get a job for thegovernment and get a DB pension plan andyou need to realize that the employeesare actually paying a lot of money intothese plants so it's not like it's somefree benefit that they getthey've just been forced to save whichis a great thing for most people thefirst thing you're really going to wantto know if you have a DB pension plan ishow much money are you actually going tomake in retirement and that depends on awhole lot of factors based on yourincome how long you've worked for thecompany and the pension plan in generaland which formula they use to calculatetheir benefit and there's basicallythree different types of formulas thatcan be used the first one and probablythe best one is called the final averageearnings formula which basically takespotentially your last five years whichshould be your best years of employmentyour highest income earning years andthey calculate that they used that asthe number and then there's a percentagethat they use which is up to two percentso for my example let's just pretendthat somebody worked at a company forthirty years and in the last five yearstheir average income was $100,000 andthe rate was two percent so two percenttimes a hundred thousand times thirtyequals sixty thousand dollars per yearthatthey can expect to get for life thenbelow that there's a career averageearnings formula which is the exact sameformula except it uses your careeraverage earnings instead of the lastfive years so it's likely lower and thenlastly I see this a lot with unions it'scalled a flat rate pension formula whichbasically just says we're gonna give youX number of dollars per month per yearthat you worked usually it's like fiftydollars per month so if you work forthis Union for thirty years times fiftydollars that means your monthly benefitis going to be fifteen hundred dollars amonth now once you start pulling thisout in retirement all of that benefit iscompletely taxable it's taxable asincome now next is Wayne when are youeligible to receive your full pensionyou can receive your pension that's yourmoney basically as long as you've beenin the plan for two years but thatdoesn't mean you're gonna receive yourfull pension and each pension is goingto have different rules with this andsome might say as soon as you reach Ajaxwe're you're entitled to your fullpension or they can use something whichis called a qualifying factor which isusually often 85 and that means your ageplus your years of service if thatequals 85 you're now entitled to yourfull pension so if you're 60 years oldand you've been working for a companyfor 25 years 60 plus 25 equals 85 thatmeans you're entitled to your fullpension but say you're 60 years old andyou've only worked there for 19 yearsthat equals 79 which means that you needto work for three more years so 63 plus22 it equals 85 now you're entitled toyour full pension another thing toreally look at and consider is is yourpension indexed to inflationwhich means does it go up every yearbased on what the inflation rate is inthe country because if it doesn't thenyou're not going to have very much moneywhen you're 90 compared to when youretire at 60 because say your two1thousand dollar pension isn't gonna be1able to buy that much thirty years later1so it's really important to understand1next you need to know what the pension1is actually invested in and this totally1depends on the pension plan that you're1in because pensions have a ton of money1and what they do is they hire like a1personal fund manager to manage the1investments inside of your pension and1so sometimes they buy really cool stuff1for example like years ago the Ontario1teachers pension plan actually owned1like the Maple Leafs and the rafters and1stuff not that I would ever want1anything to do with owning the Maple1Leafs they're brutal1but I mean that's kind of neat that they1own that sort of stuff and it doesn't1really matter how well or how poorly1your investments inside of the pension1plan do you don't even really see this1it's because it's up to your employer to1fund the difference because they have1said we're gonna pay you X amount when1you retire and this is what they've1committed to which is great for you in1most cases but sometimes this can really1backfire the worst case scenario and1this is why a lot of companies don't1offer defined benefit pension plans1anymore1is because there's a huge risk to the1company because they have this giant1liability on their books that they have1to commit to and sometimes if they start1losing money or whatever or end up going1bankrupt well they can no longer pay1that out because you're not the first1person that's on their list of creditors1so if you think about Sears for example1worst case scenario these people pay it1in forever and they're actually not1going to get anything and it's a1nightmare and that is the risk that can1come with these plans so so they're not1always perfect1now the one thing that is actually1really important to people that have1these plans is choosing what to do with1them when they're done working whether1that means they got laid off they've1moved to another job they got fired or1they actually retire because this is1when you actually have to make a1decision so if you quit before1retirement you're gonna get a package1that says you basically have two options1one you can keep your money in the plan1or two you can move it out to alehrer1potentially part into your RSP and1potentially take some as a taxable cash1portion and this is where you really1need to sit down with a certified1financial planner professional and run1through the numbers and the pros and1cons of each scenario because obviously1it's in our best interest that you say1yes move this giant lump sum of money1over to me and I'll manage it and I'll1do amazing with it but sometimes that's1the riskier play it totally depends on1your age and your situation and what you1need so you need to really go over the1pros and cons of those options with1somebody that's got your best interest1first and their second and next is when1you retire and it's not quite so simple1as like I'm just getting ax and I'm1going to take that for life you actually1have some choices to make here and just1some examples and it depends it and1whether or not you have a spouse or1pension partner or you're single so if1you have a spouse you're probably gonna1get two or three options one will be a1joint equal option just says we're gonna1pay you X amount and if you pass away1early your spouse is going to get that1amount for life and that's going to be1the lower option or you could take a1joint reduced option which says you get1X amount of dollars and then if you pass1away your spouse is going to get 661percent of this pension plan for the1rest of their life and then a single1option you'll see the words guaranteed1in there so to be single life no1guarantee1or single life with a ten year guarantee2and so I'm just gonna use an example for2this let's say two sisters worked at the2same company they both had one kid and2the one sister chose the single life2with no guaranteed option and the other2sister chose the single life with a210-year guaranteed option and they've2been in the plan they're receiving their2benefits for one year and both of the2sisters pass away well the sister that2shows no guarantee her child will not2get any benefit going forward whatsoever2all of that money that you put into the2pension plan is gone and the sister that2shows the 10-year guarantee is going to2get a nine-year benefit for her child2that's going to be paid out to her child2for the next nine years so the guarantee2is is your beneficiary gonna get some2money and that's basically it so there's2a lot to think about with pensions sort2of and and all you really need to know2is that if you have one of these pension2plans you're probably in pretty good2shape but that doesn't mean that you2shouldn't potentially sit down with a2financial planner and discuss how to2plan around it and if things come up2where you need to make a decision that's2when you should really think about it so2once again thank you very much for2watching I know this was long please hit2that red subscribe button and we'll see2you next week thank you

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