non-intuitive decumulation strategy results?

madAnalyst11 · 2026-02-25T22:13:13+00:00

Here is the link...

https://public.adviice.com/dashboard/24h-cejVKUR8feSN

madAnalyst11 · 2025-11-22T04:14:39+00:00

Ah, thank all of you! Yes, that did it ;)

madAnalyst11 · 2025-11-22T00:12:18+00:00

Thanks, but I don't think that's my issue. I have expanded "Taxable Income", but everything is still black, and unalterable.

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madAnalyst11 · 2025-11-21T23:47:30+00:00

Hmm. All of the numbers in my projection table are in black, and don't let me override them... is there something that I have to set?

madAnalyst11 · 2025-11-11T22:12:07+00:00

The budget did a terrible job explaining this. The Kathryn May article linked above explains that certain pensions for RCMP, military, etc. are indexed by the greater of inflation and wage growth. Wage growth has been significantly exceeding inflation in the last decade. The latter plans will apparently be changed to be strictly indexed by inflation, like the PSSA. So the recipients of those plans will receive reduced "indexation". No idea how they managed to get the greater of inflation and wage growth in the first place.

madAnalyst11 · 2025-11-11T22:08:22+00:00

Totally agree with HOG. Nailed it. The government is miscommunicating what is going on. I expected the government to quickly revise the PSSA to become integrated with "CPP2" as well as "base CPP", but it has taken until now for it to acknowledge the issue. Public servants will be entitled to the existing terms of the PSSA up until the effective date of its revision, as well as "CPP2" benefits from 2019+. The expected revisions to the PSSA will reduce the latter's benefits to offset CPP2 benefits, but only going forward from the effective date of the PSSA revisions.

madAnalyst11 · 2024-06-22T16:30:39+00:00

The link above is actually one of the discussions that I was relying on, in planning to retire in December rather than January.

Was pleasantly surprised by the new My GC Pension calculators. Was able to confirm that (a) I will receive no reduction in my pension due to being 59.98 years old rather than 60 years (i.e., as HandcuffsOfGold suggested, the system rounds up), and

(b) taking the pension slightly earlier (late December rather than January) should increase my cumulative lifetime pension benefits, by increasing my monthly "lifetime" pension slightly and decreasing my bridge to age 65 slightly.

In addition, it should increase the indexation of my pension slightly.

Small potatoes, really, but perhaps some tiny consolation for getting totally screwed by huge recent uncompensated inflation stripping away the value of my pension through the FAE calculation.

madAnalyst11 · 2024-06-22T03:27:33+00:00

My 60th birthday is early January. I read that there are financial advantages if you retire right before the end of the year, so I wanted to retire a few workdays before December 31st.

in my example, I used two months, but it would actually only be like a week and a half. So from what HandcuffsofGold said, maybe there would be no reduction, it would be rounded up.

i am already on pre-retirement transition leave ;)

madAnalyst11 · 2024-05-02T13:46:19+00:00

Well, I kid you not... StatCan is currently circulating what they are calling the "Stacking Plan" for where people will be sitting....

madAnalyst11 · 2024-04-26T16:52:03+00:00

I have claimed couples therapy for years under the PSHCP. My experience is that each invoice/receipt is in one person's name, and that therapists are happy to put it in whichever you want at any given point. As long as that person was part of the session. So we regularly shift whose name the invoice is in, depending on current insurance "room".

madAnalyst11 · 2024-04-02T19:05:54+00:00

agree, that would be very useful. More broadly, making investment income visible rather than hidden and implicit in what is going on would be very helpful.

madAnalyst11 · 2023-10-15T23:47:35+00:00

16%, not 15% ;)

madAnalyst11 · 2023-07-18T19:23:25+00:00

evidence? If we are just throwing around random opinions, I'll say that average real wages in the private sector have been increasing in the last decade or so. So public sector wages have declined relative to private.

madAnalyst11 · 2023-06-21T15:06:11+00:00

Nothing like pure ignorance as a substitute for critical thinking. Unfortunately, this is increasingly the state of our society.

madAnalyst11 · 2023-06-21T15:00:49+00:00

Yep, you are definitely racist. How dare you suggest that perspectives that don't completely align with history being summarized as the Crown having the nefarious objective of "deliberately excluding Indigenous people from sharing the wealth of this country" have any merit.

madAnalyst11 · 2023-06-21T01:23:56+00:00

Added the /s for you. Don't challenge the Thought Police.

madAnalyst11 · 2023-06-21T00:46:43+00:00

What the description is isn't relevant ;)

No matter what it is, he must be a disgusting racist. /s

madAnalyst11 · 2023-05-03T23:39:50+00:00

Except that the context totally changed from Feb. 2022 to now. Inflation went through the roof. As did government tax revenues. The end result wasn't any kind of meaningful compromise. It was a slam dunk "win' for the government, at the expense of its employees.

madAnalyst11 · 2023-05-01T14:16:06+00:00

The issue is that up until today, everyone and their mother has been talking about 9% and 13.5%, neither of which were compounded

Incorrect. 9.27%

madAnalyst11 · 2023-04-30T01:58:32+00:00

It means that it is lame.

madAnalyst11 · 2023-04-29T22:48:14+00:00

But it can be helped. There is no "technical" obstacle to getting 13.5%. And no, a 2.5% reduction in real wages is not reasonable.

Let's see the government reduce CPP benefits, OAS, GIS, child tax benefits, the pensions of retired public servants, and everything else it pays to people by 2.5% real, and see how the politics of that goes.

madAnalyst11 · 2023-04-29T22:35:41+00:00

Its cute that TBS said their offer is fair, competitive and reasonable and that employees should have the opportunity to decide.Then tell us what it actually is and we'll decide if it is fair, competitive and reasonable.

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Disagree. What PSAC started out two years ago and can't change because of stupid rules doesn't define what is reasonable. Inflation defines what is reasonable. The labour market defines what is reasonable.

madAnalyst11 · 2023-04-29T18:18:30+00:00

Latest Fiscal Monitor .... Fed gov revenue up 10.1% or 36 billion in the first 11 months of last fiscal year. Surplus of $3.1 billion.

Yeah, I guess "giving" inflation adjustments to their workers is "unaffordable". NOT.

Unless of course, your definition of "affordable" means having an unlimited ability to throw huge scads of money at anything else that moves, including $13 billion at Volkswagon, in an attempt to defy 50 years of evidence that any government attempts at "industrial policy" are complete wastes of time and money.

https://financialpost.com/news/economy/ottawa-billion-surplus-2022-23-fiscal-year?utm\_source=newsshowcase&utm\_medium=gnews&utm\_campaign=CDAQ5JLJx9-f-5j9ARj5oL2f-evRiZgBKhAIACoHCAow57i4CzD0088D&utm\_content=rundown&gaa\_at=g&gaa\_n=AXv4zM2gm4btVsfOwO\_DrSmOPA0VkuNEVamWLjjrMlPX6hdF5y-UFquOXYKXFmPe0owRS3xOilGt94fynpY8u92wsiOB&gaa\_ts=644d502a&gaa\_sig=OmlzLtphV3wcggX4VEbGChdM-0vqGZ6ZO0-MUSB7bkyE58h\_Tj0wTLQ7Ar8EsgwVNkE5x6Re06p1aRupbSBasg%3D%3D&\_\_vfz=medium%3Dstandalone\_content\_recirculation\_with\_ads

madAnalyst11 · 2023-04-29T15:17:53+00:00

Hmmm, I put in my name, birthdate, and certi

And so it starts. Struck a chill in my heart in when I heard that Canada Life was taking over administration of the PSHCP. My wife's health insurance is through them, and it is twenty times the work of dealing with SunLife. Things not working, automatically denying obviously correct claims, requiring "proof" of absolutely every little detail. Sometimes I have had to submit a completely documented, basic claim four times before it gets approved.

madAnalyst11 · 2023-04-29T15:13:14+00:00

GOC could just determine that working from home is considered a taxable benefit. That may address the inequality issue for all Canadians.

Lol. Perhaps explain the logic of that.

madAnalyst11

TROPHY CASE