Uploads by Quebec
This special page shows all uploaded files.
| Date | Name | Thumbnail | Size | Description | Versions |
|---|---|---|---|---|---|
| 14:35, 12 May 2024 | Three-tier-retirement-100-2024.png (file) |  |
36 KB | How the three tiers combine, as a function of total retirement income | 1 |
| 14:28, 12 May 2024 | Three-tier-retirement-2024.png (file) |  |
42 KB | Combining the three tiers, to reeach a target replacement rate of 70% during retirement | 1 |
| 14:18, 12 May 2024 | Tier1Tier2-2024.png (file) |  |
40 KB | How tiers 1 and 2 of the Canadian retiremnt system interact (in the absence of other retirement income) in terms of pre-retirement income replacement rates | 1 |
| 14:13, 12 May 2024 | OAS&GIS-2024.png (file) |  |
24 KB | Correct inflection point | 2 |
| 14:01, 12 May 2024 | Tier-1-2024.png (file) |  |
16 KB | OAS + GIS, 2024 rates | 1 |
| 15:44, 14 April 2024 | Reduction-asset-levels.png (file) |  |
44 KB | Combination of figure 76 and figure 80 (redrawn) from Society of Actuaries (2016) Risks and Process of Retirement Survey - Report of Findings, https://www.soa.org/globalassets/assets/Files/Research/Projects/research-2015-full-risk-report-final.pdf | 1 |
| 13:35, 9 April 2024 | Four-Ls-funds.png (file) |  |
176 KB | Combines the "four Ls" pyramid (the four main goals of retirement planning, Pfau and others) with the "four funds" structure of Branning & Grubbs (2022) | 1 |
| 23:58, 3 April 2024 | Contingency-planning.png (file) |  |
137 KB | Conceptual diagram to illustrate article on contingency planning and contingency fund | 1 |
| 23:13, 4 March 2024 | Declining-ladder.png (file) |  |
11 KB | Screenshot of an Excel spreadsheet showing a declining GIC ladder, payments at the end of the year, registered account, for payments of $20k indexed by 3% a year. Source = own work | 1 |
| 01:17, 25 February 2024 | Annuity-guarantees.png (file) |  |
57 KB | Monthly payout of life annuities (SPIAs) for $100k of capital versus guarantee period for males 55 to 80 years old, and females 75 to 80 years old. Data from Table 1 in Milevsky MA (2013) Life Annuities: An Optimal Product for Retirement Income, Research Foundation of CFA Institute, https://www.cfainstitute.org/-/media/documents/book/rf-publication/2013/rf-v2013-n1-1-pdf.pdf | 1 |
| 16:17, 23 February 2024 | Annuity-age.png (file) |  |
135 KB | Males versus females | 2 |
| 15:58, 23 February 2024 | Annuity-interest-rate.png (file) |  |
128 KB | Redrawn and slightly modified from Pfau WD (undated) Are Annuities (SPIAs) Okay When Interest Rates are Low? (https://retirementresearcher.com/are-annuities-spias-okay-when-interest-rates-are-low/) | 1 |
| 19:20, 12 February 2024 | PMT-function.png (file) |  |
502 KB | Wealth versus age using the same balanced asset allocation, but two different withdrawal strategies. Redrawn and modified from fig. 2 of: Frank LR, S Brayman S (2016) Combining Stochastic Simulations and Actuarial Withdrawals into One Model. Journal of Financial Planning, November 2016 issue | 1 |
| 21:26, 11 February 2024 | Allocation-wealth.png (file) |  |
175 KB | Wealth over time depending on asset allocation in simulations with 4% rule. Source: Finke M, Blanchett D (2016) An overview of retirement income strategies. Journal of Investment Consulting 17:22-30, available at https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2792296 Redrawn and slightly modified. | 1 |
| 15:57, 11 February 2024 | RISA-matrix-simple.png (file) |  |
153 KB | A simpler version of the retirement income style matrix. Redrawn and modified from Murguia A, Pfau WD (2021) Selecting a personalized retirement income strategy. Retirement Management Journal 10:46-58, available at https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4011297 | 1 |
| 15:20, 11 February 2024 | Four-Ls.png (file) |  |
96 KB | The four "L"s of retirement income goals are Longevity, Lifestyle, Liquidy and Legacy. Retirees may prioritize these goals differently. The Pyramid shows one possible vision among many. Source = new drawing to illustrate the concept. | 1 |
| 18:13, 4 February 2024 | RISA-matrix.png (file) |  |
196 KB | The retirement income style matrix. Redrawn and modified from Murguia A, Pfau WD (2021) Selecting a personalized retirement income strategy. Retirement Management Journal 10:46-58, available at https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4011297 | 1 |
| 18:05, 4 February 2024 | RISA-matrix.jpg (file) |  |
984 KB | The retirement income style matrix. Redrawn and modified from Murguia A, Pfau WD (2021) Selecting a personalized retirement income strategy. Retirement Management Journal 10:46-58, available at https://papers.ssrn.com/sol3/papers.cfm?abstract_id=4011297 | 1 |
| 13:19, 28 August 2023 | T-bill-return.gif (file) |  |
450 bytes | Department of Finance (Canada), https://www.canada.ca/en/department-finance/programs/financial-sector-policy/securities/securities-technical-guide/determining-bond-treasury-bill-prices-yields.html | 1 |
| 17:58, 23 June 2023 | Maintenance-tools.png (file) |  |
143 KB | "Tools Screwdriver Wrench royalty-free vector graphic Free for use & download" from https://pixabay.com/vectors/tools-screwdriver-wrench-repair-24220/ | 1 |
| 12:36, 20 April 2022 | Tracy-whale-chart.jpg (file) |  |
56 KB | Redrawn from figure 2 of Tracy J, Schneider H, Chan S (1999) Are Stocks Overtaking Real Estate in Household Portfolios? Federal Reserve Bank of New York, Current Issues in Economics and Finance, v. 5 no. 5 (April 1999) | 1 |
| 20:28, 2 October 2021 | TSX-Comp-FTSE.jpg (file) |  |
67 KB | Updated with 2005-2020 returns from https://www.spglobal.com/spdji/en/indices/equity/sp-tsx-composite-index/#overview and https://www.ftserussell.com/analytics/factsheets/home/search | 2 |
| 14:05, 31 January 2021 | Life-stages.png (file) |  |
49 KB | Financial life stages versus financial assets. Redrawn and strongly modified from https://guaranteedretirement.ca/ to illustrate life stages, for the series of outline articles in finiki. | 1 |
| 20:54, 18 January 2021 | Car-loan-5years.png (file) |  |
43 KB | Redrawn from https://www.canada.ca/en/financial-consumer-agency/services/loans/financing-car/risks.html, with annotations and shading added | 1 |
| 20:53, 18 January 2021 | Car-loan-8years.png (file) |  |
40 KB | Redrawn from https://www.canada.ca/en/financial-consumer-agency/services/loans/financing-car/risks.html | 1 |
| 20:35, 11 January 2021 | Debt-sidebar-image.jpg (file) |  |
32 KB | Modified from https://pixabay.com/illustrations/debt-finance-money-credit-loan-1157824/ | 1 |
| 14:22, 5 January 2021 | Pyramide.jpg (file) |  |
412 KB | This is a modified version of https://www.finiki.org/wiki/File:Pyramid.jpg | 1 |
| 20:25, 21 December 2020 | Equation-page159-bis.png (file) |  |
7 KB | From Chapurat et al. (2012), second equation from page 159, for the present value of implicit liabilities, in a specific example | 1 |
| 20:22, 21 December 2020 | Equation2.6-solved.png (file) |  |
8 KB | fixed typo (plus sign) | 2 |
| 20:20, 21 December 2020 | Equation2.6.png (file) |  |
5 KB | fixed typo (+ sign instead of -) | 2 |
| 20:06, 21 December 2020 | Equation-page159.png (file) |  |
10 KB | Chapurat et al. (2012), retyped equation from page 159, presenting the gross after-tax human capital in a specific example | 1 |
| 19:54, 21 December 2020 | Equation2.15.png (file) |  |
7 KB | Chapurat et al. (2012), equation 2.15, retyped from page 15, representing a delayed constant-growth ordinary annuity | 1 |
| 15:13, 21 December 2020 | PV100k30yrs.jpg (file) |  |
35 KB | Present value of a $100k (real) salary over 30 years with a valuation (discount) rate of 3% real, calculated in Excel | 1 |
| 22:14, 5 April 2020 | FWF-banner.jpg (file) |  |
28 KB | Higher resolution image | 2 |
| 22:09, 5 April 2020 | Fwf-cloud2.png (file) |  |
67 KB | Cluster of words, from https://www.financialwisdomforum.org/ | 1 |
| 17:32, 4 April 2020 | FWF-cluster.jpg (file) |  |
25 KB | Cluster of words from https://www.financialwisdomforum.org/, low resolution, for testing purposes only | 1 |
| 17:44, 29 March 2020 | Coin-stacks.jpg (file) |  |
51 KB | Coin stacks with vegetation. Image by Nattanan Kanchanaprat from Pixabay: https://pixabay.com/photos/money-profit-finance-business-2696219/ | 1 |
| 18:08, 28 March 2020 | Calculator-photo.jpg (file) |  |
36 KB | Image of a calculator. Image by fancycrave1 from Pixabay | 1 |
| 17:59, 28 March 2020 | Rainy-day.jpg (file) |  |
73 KB | "Rainy day", image by Med Amine MEKHANEG on Pixabay | 1 |
| 17:32, 28 March 2020 | Credit-cards.jpg (file) |  |
55 KB | Three credit cards stacked on top of each other. Image by Republica on Pixabay: https://pixabay.com/photos/american-express-cards-credit-89024/ | 1 |
| 20:08, 25 March 2020 | New-front-page.jpg (file) |  |
3.96 MB | idea for a new front page at finiki, based on wikipedia's current layout | 1 |
| 20:42, 13 February 2020 | Ferri-on-Twitter.jpg (file) |  |
29 KB | "The education of an index investor" | 1 |
| 22:27, 26 June 2019 | Hum-cap-lif-ins2.jpg (file) |  |
34 KB | Declining life insurance needs can be covered using a laddering strategy | 1 |
| 22:11, 26 June 2019 | Hum-cap-lif-ins1.jpg (file) |  |
48 KB | Schematic representation of the evolution of human capital, financial capital, and life insurance needs from age 25 to 65. Created by combining two graphs from Chen P, Ibbotson RG, Milevsky MA, Zhu KX (2006) Human capital, asset allocation, and life in... | 1 |
| 13:49, 22 March 2018 | Chapurat-Table-4-1-human-capital-financial.jpg (file) |  |
68 KB | Graph drawn from the data in Chapurat, Huang and Milevsky (2012) Strategic financial planning over the lifecycle, Table 4.1: Projected salary, consumption, savings, gross human capital, financial capital, and economic net worth at various ages (gc = 0) | 1 |
| 13:46, 22 March 2018 | Chapurat-Table-4-1-Savings-consumption-salary.jpg (file) |  |
64 KB | Graph drawn from the data in Chapurat, Huang and Milevsky (2012) Strategic financial planning over the lifecycle, Table 4.1: Projected salary, consumption, savings, gross human capital, financial capital, and economic net worth at various ages (gc = 0) | 1 |
| 14:02, 20 February 2017 | Winnipeg 3-Fund Portfolio.gif (file) |  |
7 KB | Modified from File:Vanguard_Canadian_3-Fund_Portfolio.png | 1 |
| 17:50, 7 January 2017 | ETFs-mutuals.gif (file) |  |
111 KB | ETFs versus mutual funds. Clipart of orange taken from https://openclipart.org/detail/12991/orange All Clipart on Openclipart are available for unlimited commercial use. That means you may use the clipart commercially, for education, for church, for... | 1 |
| 14:37, 7 January 2017 | Spending-more.jpg (file) |  |
37 KB | Cash flow management of the type that leads to decreased (or even negative) net worth | 1 |
| 14:27, 7 January 2017 | Saving-budgeting.jpg (file) |  |
44 KB | Water engineering type diagram to show cash flow management of the type that leads increased net worth | 1 |
