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Retirement Income Illustrator
This tool is designed to help advisors model clients’ retirement income portfolio. Use this illustrator to show your clients how combining portfolio building blocks can help to provide the income, growth and risk mitigation they are looking for.
Graph 
Table Portfolio Summary (10 Years)
| Total | Investment Portfolio | Core Portfolio | Cash Wedge | Total Cumulative Withdrawal | |
|---|---|---|---|---|---|
| Start (2015) | $1,000,000 | $950,000 | $750,000 | $50,000 | - |
| End (2025) | $1,143,386 | $1,096,816 | $863,936 | $46,570 | $508,333 |
| Start (2015) | End (2025) | |
|---|---|---|
| Total | $1,000,000 | $1,143,386 |
| Investment Portfolio | $950,000 | $1,096,816 |
| Core Portfolio | $750,000 | $863,936 |
| Cash Wedge | $50,000 | $46,570 |
| Total Cumulative Withdrawal | - | $508,333 |
1Mac Canadian Short-Term Income Fund
2Investment Portfolio = Core Fund + Growth Fund, Total Portfolio = Core Fund + Growth Fund + Cash Wedge
*The Mackenzie Growth Portfolio 50/50 is made up of 50% in Mackenzie Canadian Growth Fund and 50% in Mackenzie Global Dividend Fund.
Calculation based on monthly returns. Cash wedge is replenished every month by selling units of Core Fund. Cash wedge is rebalanced to the initial required amount and the investment portfolio is rebalanced proportionally annually.
Source: Morningstar
The Portfolio Review and Analysis reflected herein is for informational and educational purposes only. It is based on information supplied to Mackenzie by financial advisor(s) and should not be considered a recommendation in respect of any specific investment product or strategy, or a recommendation to take any course of action whatsoever. We do not recommend that it be relied on exclusively but rather as one component of a broader process. For Advisor Use Only. No portion of this Portfolio Review and Analysis may be reproduced or distributed to the public as it does not comply with investor sales communication rules. Mackenzie disclaims any responsibility for any advisor sharing this with investors.
Commissions, management fees, and expenses all may be associated with exchange traded fund and mutual fund investments. The indicated rates of return are the historical annual compounded total returns as of December 31, 2023 including changes in unit value and reinvestment of all dividends and do not take into account sales, redemption, distribution, or optional charges or income taxes payable by any security holder that would have reduced returns. Please read the prospectus before investing which contains investment objectives, strategies, risks, fees, expenses, and other important information. Investing involves risk, including possible loss of principal. ETFs and mutual funds are not guaranteed, their values change frequently, and past performance may not be repeated. Mackenzie shall not be liable to any person for the quality, currency or completeness of the information herein. The information included herein does not represent advice or a recommendation to buy or sell an investment product and is not intended to suggest taking or refraining from any course of action. Any forecasts, figures, opinions or investment techniques and strategies set out are for information purposes only, based on certain assumptions and prevailing market conditions and are subject to change without notice. This document is a general communication being provided to you for informational purposes only.
The communication is educational in nature and not designed to be a recommendation for any specific investment product, strategy, plan or design feature and is not intended to address the needs or circumstances or objectives of any individual investor. An investor should seek individualized advice from a personal financial, legal, tax and other professional advisor(s) taking into account all of their particular facts and circumstances prior to making any investment decision(s) or pursuing an investment related strategy or change.
All information is historical and not indicative of future results. Historical data is used to illustrate a hypothetical scenario to demonstrate a way in which a product can be used.
Retirement Illustrator
This tool is designed to help advisors model clients’ retirement income portfolio. Use this illustrator to show your clients how combining portfolio building blocks can help to provide the income, growth and risk mitigation they are looking for.
Portfolio Allocation
| Initial Investment | $1,000,000 |
| Annual Cashflow Needs (5%) | $50,000 |
| Core fund (75%) | Mackenzie Monthly Income Balanced |
| Growth fund (20%) | Mackenzie Canadian Growth |
| Growth fund Share Class | Series F |
| Years in Cash Wedge (5.00%) | 1 Year |
Graph View
Table View
| Year | Total Portfolio | Core fund | Growth fund | Cumulative Withdrawal | Cash Fund |
|---|---|---|---|---|---|
| 2025 | $1,143,386 | $863,936 | $232,880 | $508,333 | $46,570 |
| 2024 | $1,057,702 | $782,321 | $227,716 | $445,832 | $47,665 |
| 2023 | $1,019,125 | $770,760 | $203,008 | $395,832 | $45,357 |
| 2022 | $1,173,315 | $855,839 | $270,368 | $345,832 | $47,108 |
| 2021 | $1,097,664 | $801,997 | $244,322 | $295,832 | $51,345 |
| 2020 | $1,082,646 | $786,557 | $247,176 | $245,832 | $48,913 |
| 2019 | $1,001,650 | $744,436 | $210,122 | $195,832 | $47,092 |
| 2018 | $1,061,079 | $775,640 | $238,905 | $145,832 | $46,534 |
| 2017 | $1,032,469 | $761,186 | $219,887 | $95,832 | $51,396 |
| 2016 | $995,859 | $725,766 | $220,318 | $45,832 | $49,775 |
| 2015 | $1,000,000 | $750,000 | $200,000 | $0 | $50,000 |
Portfolio Summary (10 Years)
| Total | Investment Portfolio | Core Portfolio | Cash Wedge | Total Cumulative Withdrawal | |
|---|---|---|---|---|---|
| Start (2015) | $1,000,000 | $950,000 | $750,000 | $50,000 | - |
| End (2025) | $1,143,386 | $1,096,816 | $863,936 | $46,570 | $508,333 |