1. Mr. Davidson
Having A Wonderful Retired Life
The Financial Analysis In Planning of Your Retriement
Tianshu Yang Chartered Consultant
Assistant: Reuental

2. What do we know today ?
Your Current Age 50
your Annual Salary $100,000
Your Current Retirement
Fund
$150,000
C o l l e g e ' s A n n u a l
Contribution into the
retirement fund
10% of your
annual salary
Your annual contribution $9,500
What Is Our Goal ?
Analysis if your financial condition is going to be able to benifit
your retired life as you wished. Providing advises to support your
financial planning of retirement
What do we have to predict ?
Retirement Age Our main concern
Rate of return before
retired
3%-10%
Rate of return after retired 3%-5%
Income growth 0%
Yo u r w i f e ' s i n c o m e
condition
Keep her out of
the analysis
Inflation 0%

3. Methodology
Data‐‐‐Fixed Entries Values
Current Age 50
Income Growth Rate 0%
Rate of return on Investments /year after retirement = 3%
Bob's Current Retirement Fund 150,000
College % Invested 10%
Current Salary 100,000$
Data‐‐‐Variable Prefer
Retirement age 65
Postretirement Income (% of his final salary) 60%
Rate of return on Investments /year up to retirement = 3%
Bob's Annual Contribution 9,500$
Negotiable Variable
Non-Controllable
Multiple Invest Opitions
Fixed Values
Rolling the datas into a financial model. The variances
are adjusted multiplely based on different scenarios to
conduct an analysis of supportability of your retirement.

4. Imperial Result
Age that your fund will support until based on
conservavite rate of return of investment of 3%.
50
55
60
65
70
75
80
85
90
51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70
AgeBobrunsoutof$
Retirement Age
Age Bob runs out of $ - Retirement Age
50
55
60
65
70
75
80
85
AgeBobrunsoutof$
Amount of Bob's Annual contribution
Age Bob runs out of $- Amount of
Bob's Annual contribution
50
60
70
80
90
100
110
5% 10% 15% 20% 25% 30% 35% 40% 45% 50% 55% 60%
AgeBobrunsoutof$
%'age of Post Retirement Income
Age Bob runs out of $ - %'age of Post
Retirement Income
Age that your fund will support until based on
progressive rate of return of investment of 6%.
50
60
70
80
90
100
110
51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70
AgeBobrunsoutof$
Retirement Age
Age Bob runs out of $ - Retirement Age
50
60
70
80
90
100
110
AgeBobrunsoutof$
Amount of Bob's Annual contribution
Age Bob runs out of $- Amount of
Bob's Annual contribution
50
60
70
80
90
100
110
5% 10% 15% 20% 25% 30% 35% 40% 45% 50% 55% 60%
AgeBobrunsoutof$
%'age of Post Retirement Income
Age Bob runs out of $ - %'age of Post
Retirement Income

5. 83.00 85.00 87.00 89.00 91.00 93.00 95.00 97.00 99.00 101.00
Rate of return on Investments /year up to retirement =
Postretirement Income (% of his final salary)
Savings Rate
College % Invested
Bob's Annual Contribution
Retirement age
Rate of return on Investments /year after retirement =
Age at death
Age when wife dies
Age at Which Bob Runs out of $Parameter
Sensitivity Analysis
-10 Pct +10 Pct
-10 Pct +10 Pct
Most important tings
o f b e i n g a b l e t o
support you to live
over 100 years old.
Data
Bob's Current Age 50
Retirement age 65
Income Growth Rate 0%
Postretirement Income (% of his final salary) 50%
Rate of return on Investments /year up to retirement = 5%
Rate of return on Investments /year after retirement = 3.00%
Bob's Current Retirement Fund 150,000$
College % Invested 10%
Current Salary 100,000$
Bob's Annual Contribution 10,000$
Reasonable Forcasting
This combanation of data
indecates you will be able
to self-support until age of
92

6. Recommandation
Your retirement age
Your investment management
Your saving planing
Your property managing
Your plan B after you run out of money
Other Issues
Tax Consequence
Wife's Economic Condition
Heath Issues
Children
Real Estate Property
CPP Income