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Simplify Retirement Planning with Income

Retirement planning in Canada is increasingly complex. The end of private pensions has created a $1.5 trillion shortfall in retirement income, according to the National Institute on Ageing[1]. RRSP savings have been used to bridge the gap in retirement plans, but stretching a finite amount of savings into retirement income for life is a complex prospect.

Comprehending the Complexity of Retirement in Canada

Over 5,000 Canadians retire every week[2]

90% of private sector employees don’t have a traditional pension plan[1]

One in five Canadians retiring at 65 will live past 95[1]

Number of Canadians Aged
65 and older 1980-2018

Source: Statistics Canada

Average Life Expectancy at
65 years old 1980-2018

Source: Statistics Canada

More Canadians are older. Older Canadians are living longer. Canadians need a way to stretch their savings into retirement income for life.

ETFs for Steady Retirement Income

Harvest Equity Income ETFs are built to deliver consistent monthly retirement income bridging the retirement income gap. They use a call option strategy to generate income from a portfolio of stocks or fixed income securities. They can be held in RRSP and RRIF accounts and the income they pay can offset mandatory RRIF withdrawals. They pay high income yields and fill a need for retirement income not fully met by bonds, GICs and government benefits like CPP. These are simple, consistent, high-yield solutions for retirement income.

Here’s how we make it simple

Harvest Equity Income ETF portfolios are invested in companies that are well-established, with strong balance sheets and consistent earnings growth. We generate steady income by collecting dividends and by selling call options to generate a premium on a portion of the portfolio. This strategy provides the ability to pay attractive, tax-efficient, monthly distributions for our investors.

Large-cap Companies

Large-cap Companies

Harvest’s equity income ETFs focus on large-cap companies, the leaders of their industries

Tax Advantage

Tax Advantage

Income generated with covered call options is taxed as capital gains – a lower rate than typical income

High Income

High Income

The monthly income paid by these ETFs are high-often higher than the rate of inflation

RRIF Eligible

RRIF Eligible

Harvest ETFs can be held in a RRIF and the income they pay can offset mandatory RRIF withdrawals

Interested in a Fixed Income ETF with Covered Calls?

Harvest ETFs Strategies for High Income

Equity Income ETFs

Harvest Equity Income ETF portfolios are invested in companies that are well-established, with strong balance sheets and consistent earnings growth. We generate steady income by collecting dividends and by selling call options to generate a premium on a portion of the portfolio. This strategy provides the ability to pay attractive, tax-efficient, monthly distributions for our investors.

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Enhanced Equity Income ETFs

Harvest Enhanced Equity Income ETF portfolios offer leveraged exposure to select Harvest Equity Income ETFs. Through the application of approximately 25% leverage, these ETFs deliver high monthly cashflows. They have an elevated risk-return profile, but also offer heightened access to market growth opportunity.

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Speak to your advisor about how Harvest Equity Income ETFs can help.

Featured Harvest ETFs & Income Yields

Each investor’s goals, risk tolerance, and outlooks are unique. Our suite of Equity Income ETFs can offer retirees and pre-retirees a range of options designed to meet their growth and income needs. Each ETF offers consistent, strong yields and exposure to serious long-term growth trends.

HDIF | Harvest Diversified Monthly Income ETF


Updated Daily
HTAE | Harvest Tech Achievers Enhanced Income ETF


Updated Daily
HBF | Harvest Brand Leaders Plus Income ETF


Updated Daily

[1] MacDonald, B.-J., Sanders, B., Strachan, L., Frazer, M. (2021). Affordable Lifetime Pension Income for a Better Tomorrow. How we can address the $1.5 trillion decumulation disconnect in the Canadian retirement income system with Dynamic Pension pools. Toronto, ON: National Institute on Ageing, Ryerson University and Global Risk Institute.

[2] Statscan, RBC


For Information Purposes Only.

Commissions, management fees and expenses all may be associated with investing in HARVEST Exchange Traded Funds (managed by Harvest Portfolios Group Inc.). The indicated rates of return are the historical annual compounded total returns including changes in unit value and reinvestment of all distributions and do not take into account income taxes payable by any securityholder that would have reduced returns. Please read the relevant prospectus before investing. The funds are not guaranteed, their values change frequently and past performance may not be repeated. The information contained herein should not be considered as advice and/or a recommendation to purchase or sell the mentioned securities or used to engage in personal investment strategies. Tax, investment and all other decisions should be made with guidance from a qualified professional. Certain statements included in this communication constitute forward-looking statements, including, but not limited to, those identified by the expressions “expect”, “intend”, “will” and similar expressions to the extent they relate to the Investment Fund. The forward-looking statements are not historical facts but reflect the Fund’s, Harvest and the Manager of the Fund’s current expectations regarding future results or events. These forward looking statements are subject to a number of risks and uncertainties that could cause actual results or events to differ materially from current expectations. Although the Fund, Harvest and the Manager of the Fund believes that the assumptions inherent in the forward-looking statements are reasonable, forward-looking statements are not guarantees of future performance and, accordingly, readers are cautioned not to place undue reliance on such statements due to the inherent uncertainty therein. The Fund, Harvest and the Manager of the Fund undertakes no obligation to update publicly or otherwise revise any forward-looking statement or information whether as a result of new information, future events or other such factors which affect this information, except as required by law.

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