A number of product categories can be used in a successful Product Allocation strategy. Among them, those with the following features and guarantees are important:

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• Guaranteed income for life
• Protection from interest rate fluctuations
• Growth potential of the markets to help keep pace
• with inflation
• Protection from market downturns
• A wide choice of investment funds
• Flexibility and access to cash
• Cost-effective and easy transfer of assets upon death

No one product will offer all of these guarantees and features. However, using the Product Allocation Tool to optimally allocate your savings among a number of product categories, each with its own guarantees and features, your advisor can address the retirement challenges of most concern to you.