Retirement planning doesn't start at retirement, which is why Macrobiosishas two classes designed for each phase of life

MacrobiosisDecumulation Class

for all Canadians 65 and over

Want income for life and financial flexibility? The Decumulation Class is designed to provide you with a lifetime income stream like a pension plan.

How to invest: You can invest in one lump sum and/or contribute whenever you see fit.

MacrobiosisAccumulation Class

for all Canadians 64 or younger

The MacrobiosisPension Fund is a turnkey solution where you can access pension-style investing and contribute towards your savings goals, before transitioning to the Decumulation Class when you turn 65.

How to invest: You can invest in one lump sum at any age and/or on an ongoing basis (e.g., weekly, monthly, etc.) to create a disciplined savings plan for your future retirement.
Download our fund brochure and prospectus.
See Fund Details

How does it work?*

  1. At 66 years old, you decide to retire and invest $100,000 into the MacrobiosisPension Fund.
  2. You are invested in our Decumulation Class and are put in a cohort with other investors your age. Mortality is forecasted for the cohort, and income rates are calculated for everyone in the pool.
  3. The pool of money is invested to conservatively grow and help fund distributions to everyone in your cohort.
  4. You begin receiving monthly payments totalling $6,150 annually.
  5. Years pass and the number of investors in the cohort decreases, as some people pass away and others choose to redeem. Mortality credits remain in the pool for the benefit of the other investors.
  6. Your monthly income from the fund begins to increase. You are pleased.

Retirement should be spent doing things you love, not worrying about money

Income for life

The Macrobiosis Pension Fund is the first solution fully accessible to all Canadians designed to provide lifetime income. Investors can expect payments every month for as long as they live, starting at 6.15% annually for individuals 65 years of age.

Income for security

Macrobiosis's mutual fund structure offers the potential for much higher income payments than traditional lifetime income solutions, with the opportunity for significant pay increases as you get older.** Life should get better with age, and you should feel confident that your finances will too.

Let’s talk!

Email us at service@ci.com or call us at 416-642-1289.

Not ready to talk yet?

Get a more in-depth look at your potential retirement by using our MacrobiosisPension Fund Calculator.

® Registered trademark of Macrobiosis Retirement Fund Inc.; used under license. Patent pending.
*This figure is for illustrative purposes only. Distributions and returns for investment funds may fluctuate and are never guaranteed. This should not be considered investment advice or financial advice, and is not tailored to the needs or circumstances of any investor. Always reach out to professional advisors to consider your unique circumstances prior to investing.

**The MacrobiosisPension Fund is designed to provide income for life, with an initial targeted annual income payment of 6.15% for a 65-year-old individual. The payments are designed to increase over the long term; however, they may go up or down to reflect the performance of the underlying investments and other factors such as mortality experience of the cohort. A traditional lifetime income solution could include a lifetime income annuity with a 10-year guarantee period, which has on average a fixed starting payment of 5.76% for 65-year-old males (Source: Cannex, May 19, 2021).

Forward-looking statements are not guaranteed Certain statements on this site may be forward-looking. Forward-looking statements (“FLS”) are statements that are predictive in nature, depend on or refer to future events or conditions, or that include words such as “may,” “will,” “should,” “could,” “expect,” “anticipate,” intend,” “plan,” “believe,”“estimate” or other similar expressions. Statements that look forward in time or include anything other than historical information are subject to risks and uncertainties, and actual results, actions or events could differ materially from those set forth in the FLS. FLS are not guarantees of future performance and are by their nature based on numerous assumptions. Although the FLS contained in this document are based upon what Purpose believes to be reasonable assumptions, Purpose cannot assure that actual results will be consistent with these FLS. The reader is cautioned to consider the FLS carefully and not to place undue reliance on the FLS. Unless required by applicable law, it is not undertaken, and specifically disclaimed, that there is any intention or obligation to update or revise FLS, whether as a result of new information, future events or otherwise.