年金一般是经由保险公司购买的，一旦购买之后，年金的收入已经锁死，您不能因为任何理由改变年金的收入。主要目的是确保退休后个人稳定现金流的可靠手段，并减少对长寿风险的担忧，或者超出自己的资产。
年金可以是用注册退休储蓄计划RRSP，注册退休入息基金RRIF，或者用现金购买。
年金的收入多少，与购买时的利率挂钩，购买时利率越高，收入就越高。如果购买时的利率偏低，而利率是处于上升通道的，可以考虑分开不同时间段购买，比在利率低的时候大额购买多的收入更高。另外一些年金提供周期性的利率调整，在利率上涨时，会对购买人有利。在购买年金时，还可以加入通货膨胀指数（CPI）条款，年金收入可以根据通货膨胀指数（CPI）调整，不过因为加入通货膨胀指数（CPI）条款，费用相应会增加。
年金分为2种：
- 定期年金
在固定的年期内，年金一直支付到预订的年期，就算持有人去世，年金也会继续支付给指定受益人直到预订的年份； - 终身年金
年金会一直支付给到持有人去世，如果持有人去世之后，年金就会停止支付了。不过持有人也可以选择让受益人继续领取，不过也会相应的增加费用，从而减少年金收入。
As with any investment, there are risks to investing in mutual funds or pools. There is no assurance that any mutual fund or pool will achieve its investment objective, and its net asset value, yield, and investment return will fluctuate from time to time with market conditions. Mutual funds or pools are not guaranteed; their values change frequently and past performance may not be repeated. Investors will pay management fees and expenses, and may pay commissions and trailing commissions and may experience a gain or loss when they sell their units in any mutual fund or pool. Mutual funds or pools are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer.
The indicated rates of return in this communication are historical annual compound total returns including changes in unit value and the reinvestment of all distributions and do not take into account sales, redemption, distribution, optional charges or income taxes payable by any security holder that would have reduced returns.
A return of capital reduces an investor’s adjusted cost base. Capital gains taxes are deferred until units are sold or until the ACB goes below zero. Investors should not confuse this cash-flow distribution with a fund’s rate of return or yield. While investors in Series T8/S8/I8 and/or T5/S5/I5 will be able to defer some personal capital gains, they must still pay tax on capital gains distributions that arise from the sale of individual holdings by fund managers, and on interest and dividend distributions. T-SWP will also pay a distribution that must be reinvested in December, consisting of income and capital gains.
2’SUCCEED offers Consulting services, Tax and Accounting services, Financial Planning and mutual funds investment activities, and mutual funds investment is offered through Amerity Wealth Management. Mutual fund investments may be associated with commission charges, services fees or trailing commissions, management fees and expenses. Before investing, an investor is advised to read the simplified prospectus or Fund Facts carefully. The value of mutual funds may fluctuate frequently and past performance may not be repeated. Mutual funds are not guaranteed and are not covered by the Canada Deposit Insurance Corporation or by any other government deposit insurer. There can be no assurances that the fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned. The extent of the risk involved is a determination to be made by each purchaser and will vary depending on the circumstances of the purchaser and the funds invested, and purchases are subject to suitability requirements. Please discuss the risks associated with mutual fund investments with a mutual fund representative before investing.
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