Income Solutions for Retirees: How to Bundle Them [Podcast]

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Income Solutions for Retirees: How to Bundle Them [Podcast]

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With an excess of “income” choices, the vast array of products can create uncertainty. How can they be effectively utilized and structured? We clarify the options: GIC/bond ladders, comprehensive ETFs, dividend ETFs, individual dividend equities, preferred shares, and covered-call ETFs—and illustrate how to integrate select alternatives into a clear, reliable strategy.

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You’ll Discover

How each product produces income
Examine a GIC/bond ladder for reliable interest and restricted flexibility, recognize how laddered bond ETFs lessen rate risk, and understand the advantages of all-in-one ETFs in both accumulation and decumulation stages.

Dividend ETFs vs. your core
Higher advertised yields do not equal guaranteed distributions. Learn how dividend ETFs can mirror your current holdings, particularly in Canada, and how to detect overlaps before they happen.

Preferred shares in simple language
Grasp why preferred shares offer higher yields than common stocks, the impact of rate-reset/call features on pricing, and the liquidity warnings to observe during market fluctuations.

Covered-call ETFs—advantages and drawbacks
They enhance cash flow (and leveraged options even more), but often sacrifice upside. We present a clear method to evaluate “taking the payout” versus “selling a few units yourself.”

Three straightforward “packages” that are effective

  1. High-Income, Low-Complexity: Merge a GIC/bond ladder with a preferred ETF and a high-dividend ETF (~4–5% cash flow).
  2. Plan-First, Total Return: Utilize a single all-in-one global ETF with a cash wedge (or a dividend-growth stock portfolio with a wedge).
  3. Core-and-Explore: Assign 80–90% to a core ETF, and 10–20% to chosen dividend stocks; refresh overlaps once or twice a year.

Cash wedge strategies & reloads