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

Canadians retire every week[2]

%

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

%

of Canadians retiring at 65 will live past 95[1]

More Canadians are older.
Older Canadians are living longer.

Canadians need a way to stretch their savings into retirement income for life.

Number of Canadians Aged 65 and older 1980-2018

Source: Statistics Canada

Average Life Expectancy at 65 years old 1980-2018

Source: Statistics Canada

ETFs for Steady Retirement Income

Harvest Equity Income ETFs, Fixed Income ETFs, and Balanced Income ETFs are built to deliver consistent monthly retirement income to bridge the retirement income gap. These ETFs use a call option strategy to generate income from a portfolio of stocks or fixed income securities. They can be held in RRSP or 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.

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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. Fixed Income ETF portfolios cover the entire maturity spectrum from exposure to treasury bonds and bills issued and backed by the full faith and credit of the US and Canadian governments. Balanced Income ETFs are invested in Equity Income ETFs and Fixed Income ETFs. We generate steady income by collecting dividends from equities 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

CAD/US Treasuries

High Income

Tax Advantages

RRIF Eligible

Large-Cap Companies

CAD/US Treasuries

High Income

Tax Advantages

RRIF Eligible

Harvest ETFs Strategies for High Income

(with Covered Call Option Strategy)

Equity Income ETFs

Details

Harvest Equity Income ETF portfolios are invested in companies that are well-established, with strong balance sheets and consistent earnings growth.

Enhanced Equity Income ETFs

Details

Harvest Enhanced Equity Income ETF portfolios offer leveraged exposure to select Harvest Equity Income ETFs.

Fixed Income ETFs

Details

Harvest Fixed Income ETFs cover the entire maturity spectrum with short, intermediate, and long duration options.

Balanced Income ETFs

Details

Harvest Balanced Income ETF portfolios are invested in ETFs that provide exposure towards large capitalization equity securities, investment grade bonds, or money market instruments.

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

Featured Harvest ETFs

Harvest Diversified Monthly Income ETF

Price Yield
$7.94 10.70%
Updated Daily Updated Daily
HBIG | Harvest Balanced Income & Growth ETF

Harvest Balanced Income & Growth ETF

Price Distribution
$23.55 $0.16
Updated Daily Per Unit
HTA Ticker

Harvest Canadian Equity Income Leaders ETF

Price Yield
$8.70 8.04%
Updated Daily Updated Daily
Disclaimer

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.

[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

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