"Create a Retirement Income ... That You Won't Outlive"

Statistics Canada suggests that of the retiring "Baby Boomers",

    22% will have to continue working in retirement
    28% will be on welfare,
    45% will rely on pension and other income
      4% will be financially comfortable
      1% will be wealthy.

Retirement income vehicles such as RRSP's invested in mutual funds may not provide the equity growth nor income that will be needed by retirees to maintain desired lifestyles.  Especially  when considering that many baby boomers will live well into their nineties.  Thirty + years of income may be needed for those planning on early retirement.