Moshe A. Milevsky & Alexandra C. Macqueen 
Pensionize Your Nest Egg 
How to Use Product Allocation to Create a Guaranteed Income for Life

Pensionize Verb. 1. To convert money into income you can’t
outlive. 2. To create your own personal pension, a monthly income
that lasts for the rest of your natural life.

With the subpar performance of the markets, record-high personal
debt levels, and shockingly low savings rates, it’s clear that many
Canadians expecting to retire in the next decade simply don’t have
a sufficient nest egg to ensure a worry-free retirement. Making
matters worse, only about one-third of Canadians currently belong
to a formal, or registered, pension plan; and even a large number
of that ‘lucky third’ will not retire with a guaranteed pension
income.

If you no longer have the time to wait and hope for your
traditional investments to pay off, the answer is to ‘pensionize
your nest egg’ using the new technique of product allocation set
out in this book. Pensionize Your Nest Egg explains how to

* Recognize if you really have a pension or just a tax-sheltered
savings plan.

* Become informed about the new risks you and your nest egg face
in retirement and why asset allocation, despite its value in the
accumulation stage of life, is not sufficient to protect you and
your money.

* Measure your retirement sustainability quotient (RSQ) and your
Financial Legacy Value (FLV)-then choose a retirement income plan
on the Retirement Income Frontier.

* Understand how product allocation differs from asset
allocation, how to allocate your nest egg across three product
silos, and learn about the new financial products that are
available to protect against the new risks you face.

* Follow a seven-step process to close your Pension Income Gap
and convert your retirement savings into a secure stream of
lifetime income.

Whether you do it yourself or work with a financial advisor,
Pensionize Your Nest Egg gives you a simple plan to
create a guaranteed retirement income-for life.

Circa l’autore

MOSHE A. MILESKY, Ph.D., is an author, researcher and
professor at York University in Toronto, Canada.

ALEXANDRA C. MACQUEEN is a Certified Financial Planner
professional who works as a project manager at The QWe MA Group in
Toronto, Canada.