As noted in the 2024 Bank of Canada Financial System Review, household debt service ratios have reached historical highs. "The vulnerability of borrowers has intensified due to persistent inflation."
"Senior liquidity is not determined by asset value, but by cash flow accessibility. The equity trap is the single largest risk to Canadian retirement longevity."
— Vector Analyst Protocol, Section 4.2
Our models align with the Canada Pension Plan (CPP) actuarial adjustments, ensuring your projections utilize real-world CPI data rather than static banking averages.