BRIDGEFORCE
2014 RRSP Road Show
How to Survive
- and Thrive During the
Coming
Retirement
Income Crisis
Demographic Trends are Troubling
BRIDGEFORCE - 2014 RRSP Road Show
Demographic Trends are Troubling
2013
5,674,123 24,104,559
5,379,622
2036
22%
10%
93%
6,897,9000
26,544,400
10,379,300
Under 15
15-64
65+
Statistics Canada, July 2013. Medium Growth Scenario.
BRIDGEFORCE - 2014 RRSP Road Show
Demographic Trends are Troubling
• Largest Single Expenditure of the Federal Government
OAS - $40 Billion
• Largest Expenditure of the Provincial Governments
Health Care ($148 Billion), 45% of this amount
($67 Billion) is attributable to Canadians 65+
• Between 2013 and 2036 the elder population will
increase by 93%
BRIDGEFORCE - 2014 RRSP Road Show
Demographic Trends are Troubling
• Largest Single Expenditure of the Federal Government
OAS - $40 Billion
• Largest Expenditure of the Provincial Governments
Health Care ($148 Billion), 45% of this amount
($67 Billion) is attributable to Canadians 65+
• Between 2013 and 2036 the elder population will
increase by 93%
BRIDGEFORCE - 2014 RRSP Road Show
Demographic Trends are Troubling
• Largest Single Expenditure of the Federal Government
OAS - $40 Billion
• Largest Expenditure of the Provincial Governments
Health Care ($148 Billion), 45% of this amount
($67 Billion) is attributable to Canadians 65+
• Between 2013 and 2036 the elder population will
increase by 93%
$107 Billion
BRIDGEFORCE - 2014 RRSP Road Show
Demographic Trends are Troubling
• $40 Billion (OAS) x 93% = $37.5 Billion
• $67 Billion (Health Care) x 93% = $62.5 Billion
• 37.5 Billion + 62.5 Billion =
An Additional
$100 Billion
• Working age population growth 014-2036): 10%
BRIDGEFORCE - 2014 RRSP Road Show
Demographic Trends are Troubling
• $40 Billion (OAS) x 93% = $37.5 Billion
• $67 Billion (Health Care) x 93% = $62.5 Billion
• 37.5 Billion + 62.5 Billion =
An Additional
$100 Billion
• Working age population growth (2013-2036): 10%
BRIDGEFORCE - 2014 RRSP Road Show
Demographic Trends are Troubling
How much is $100 Billion?
•
•
•
•
Total Federal Income Tax:
$126 Billion*
Total Federal Corporate Tax: $35 Billion*
Total GST collected:
$29 Billion*
Total of all Federal Taxes:
$209 Billion*
*Fiscal Year 2012/13
BRIDGEFORCE - 2014 RRSP Road Show
Governments are Retrenching
• The Canada Health Transfer (CHT) is being
reduced
• Tough new Long-Term Home admission criteria
(Long-Term Care Homes Act, 2007)
• Changes to Canada Pension Plan funding and
benefits
• Changes to age of eligibility for OAS, GIS and
the Allowances
BRIDGEFORCE - 2014 RRSP Road Show
Governments are Retrenching
• The Canada Health Transfer (CHT) is being
reduced
• Tough new LTC Home admission requirements
have been introduced (LTC Homes Act, 2007)
• Changes to Canada Pension Plan funding and
benefits
• Changes to age of eligibility for OAS, GIS and
the Allowances
BRIDGEFORCE - 2014 RRSP Road Show
Governments are Retrenching
• The Canada Health Transfer (CHT) is being
reduced
• Tough new LTC Home admission requirements
have been introduced (LTC Homes Act, 2007)
• Canada Pension Plan funding and benefits have
changed
• Changes to age of eligibility for OAS, GIS and
the Allowances
BRIDGEFORCE - 2014 RRSP Road Show
Governments are Retrenching
• The Canada Health Transfer (CHT) is being
reduced
• Tough new LTC Home admission requirements
have been introduced (LTC Homes Act, 2007)
• Canada Pension Plan funding and benefits have
changed
• The age of eligibility for OAS, GIS and the
Allowances is increasing
BRIDGEFORCE - 2014 RRSP Road Show
Pension Plans are Under Siege
• Pension plan participation
46% in 1977
38% in 2012
• Private sector participation
One in 3 workers 1977
One in 5 workers 2012
• Defined Benefit
Defined Contribution/Hybrid
BRIDGEFORCE - 2014 RRSP Road Show
Pension Plans are Under Siege
Pension Plan Participation 2013
No Pension Plan
21%
7%
10%
62%
Money
Purchase/Hybrid Plan
Private Sector
Defined Benefit Plan
Public Sector Defined
Benefit Plan
BRIDGEFORCE - 2014 RRSP Road Show
RRSP Participation is Pathetic
• Only one third of eligible Canadians contribute to an
RRSP
• Canadians have used a total of 9% of their available
RRSP room
• The median RRSP amount, held by a households with a
breadwinner between ages 55 and 64, is $55,000
- one third have nothing
- one third have less than $55,000
- one third have more than $55,000
BRIDGEFORCE - 2014 RRSP Road Show
RRSP Participation is Pathetic
• Almost half of working
Canadians have neither an
RPP or RRSP
48%
• Less than one quarter of
eligible Canadians make an
RRSP contribution each year
24%
9%
• Canadians have used 9% of
their available RRSP room
• The median RRSP amount,
held by a households with a
BRIDGEFORCE - 2014 RRSP Road Show
bread-winner
between ages 55
RRSP Participation is Pathetic
• The median RRSP amount, held by a
households with a bread-winner
between ages 55 and 64, is $60,000
- one third have nothing
- one third have less than $60,000
- one third have more than $60,000
BRIDGEFORCE - 2014 RRSP Road Show
Investment Returns Are Weak
Stock Exchange
January 1
2000
January 1
2014
Annual
Return*
S&P TSX
8,414
13,622
+3.5%
Dow Jones Industrials
11,497
16,576
+2.6%
Hang Seng
16,962
23,306
+2.3%
DAX
6,958
9,552
+2.3%
S&P 500
1,469
1,836
+1.6%
Nasdaq Composite
4,069
4,177
+0.2%
FTSE 100
6,930
6,749
-0.2%
Nikkei 225
18,934
16,291
-1.1%
CAC 40
5,958
4,296
-2.3%
* January 1, 2000 – January 1, 2014
BRIDGEFORCE - 2014 RRSP Road Show
Summary
• Demographic trends are going to put significant
pressure on elder entitlements
• Governments are already cutting funding and changing
programs
• Fewer Canadians are covered by a pension plan and
those who are covered are seeing benefit reductions
• Most Canadians have little or no RRSP savings
• The few Canadians who have saved, have been
sideswiped by weak investment returns
BRIDGEFORCE - 2014 RRSP Road Show
Summary
• Demographic trends are going to put significant
pressure on elder entitlements
A global retirement
• Governments are already cutting funding and changing
crisis is bearing
programs
• Fewer
Canadians
are covered
by a pensionof
plan and
down
on
workers
those who are covered are seeing benefit reductions
ages.
• Most Canadiansall
have little
or no RRSP savings
• The few Canadians
whoDecember
have saved,
- CBC News,
30, 2013 have been
sideswiped by weak investment returns
BRIDGEFORCE - 2014 RRSP Road Show
The Good News!
• If forced to pay
• Canadians are being asked to accept more responsibility
when it comes to their own retirement planning
• Low interest rates and difficult financial markets should
encourage them to seek expert financial advice
BRIDGEFORCE - 2014 RRSP Road Show
The
Bad
News!
If forced to pay
•
• Canadians have an unwarranted faith in government
programs
• They don’t appreciate the gravity of the current fiscal
situation
• They don’t understand the financial markets and recent
volatility has unnerved them
• They are actually saving less, not more
• They are incredibly inept consumers
BRIDGEFORCE - 2014 RRSP Road Show
Helping Canadians become
better consumers can help you:
• Add Value
• Build the Relationship
• Free up Capital
BRIDGEFORCE - 2014 RRSP Road Show
Becoming a Better Consumer
Automobiles
Measure
Source
Warranty
Manufacturer Specifications
IIHS Rating
Insurance Institute for Highway Safety (IIHS), Crash Worthiness and Avoidance Testing, 2013
NHTSA Rating
National Highway Traffic Safety Administration (NHTSA), Crash Test Safety Ratings, 2013
U.S. Review
U.S. News Best Cars Report, December 2013
AJAC Review
Automobile Journalists Association of Canada (AJAC), Testfest Results
C.U. Road Test
Consumers Reports, June 2013
Lemon-aid Score
Phil Edmonston’s Lemon-aid, New Cars, 2013
Initial Quality
J.D. Power Quality Rating, 2013
C.U. Reliability
Consumers Reports Predicted Reliability, June and December 2013
Residual Value
Kelly Blue Book, December 2013
BRIDGEFORCE - 2014 RRSP Road Show
Becoming a Better Consumer
Automobiles
Full-size Sedans – Wheelbase of 2,750 – 3,000mm – Under 1,850 kg
Make/Model 2013 Sales
Make/Model 2013 Sales
Make/Model 2013 Sales
Ford Fusion
20,145
Audi A4
5,956
Nissan Maxima
1,500
Toyota Camry
18,245
Ford Taurus
4,238
Volvo S60
1,374
Honda Accord
17,165
Mazda 6
4,224
Toyota Avalon
1,264
Hyundai Sonata
14,519
M.B. E Class
3,359
Buick LaCrosse
1,156
BMW 3 Series
12,507
Cadillac ATS
3,256
Audi A6
1,033
Chrysler 200
11,666
Lexus ES
3,096
Cadillac CTS
997
Nissan Altima
10,488
BMW 5 Series
2,717
Cadillac XTS
787
M.B. C Class
9,356
Acura TL
2,374
Lexus GS
642
Kia Optima
9,269
Subaru Legacy
2,022
Jaguar XF
604
VW Passat
7,909
Infiniti G
1,776
Volvo S80
59
Dodge Avenger
7,631
Lincoln MKZ
1,625
BRIDGEFORCE - 2014 RRSP Road Show
Becoming a Better Consumer
Automobiles
Measure
Car A
Car B
Car C
Car D
Warranty
4/80,4/80,12U
4/80,4/80,12U
3/60,5/100,5U
4/80,4/80,5U
IIHS Rating
Fail
Fail
TSP+
Fail
NHTSA Rating
5 Star(1)
5 Star(0)
5 Star(0)
5 Star(2)
U.S. Review
8.2
8.5
7.9
8.3
AJAC Review
656
673
671
659
C.U. Road Test
86
76
88
85
Lemon-aid Score 3 Star
3 Star
4 Star
3 Star
Initial Quality
4 Star
4 Star
4 Star
3 Star
C.U. Reliability
A
BA
MBA
A
Residual Value
38%
37%
43%
46%
BRIDGEFORCE - 2014 RRSP Road Show
Becoming a Better Consumer
Automobiles
Measure
Car A
Car B
Car C
Car D
Warranty
4/80,4/80.12U
4/80,4/80,12U
3/60,5/100,5U
4/80,4/80,5U
IIHS Rating
Fail
Fail
TSP+
Fail
NHTSA Rating
5 Star(1)
5 Star(0)
5 Star(0)
5 Star(2)
U.S. Review
8.2
8.5
7.9
8.3
AJAC Review
656
673
671
659
C.U. Road Test
86
76
88
85
Lemon-aid Score 3 Star
3 Star
4 Star
3 Star
Initial Quality
4 Star
4 Star
4 Star
3 Star
C.U. Reliability
A
BA
MBA
A
Residual Value
38%
37%
43%
46%
BRIDGEFORCE - 2014 RRSP Road Show
Becoming a Better Consumer
Automobiles
Measure
Car A
Car B
Car C
Car D
Warranty
4/80,4/80.12U
4/80,4/80,12U
3/60,5/100,5U
4/80,4/80,5U
IIHS Rating
Fail
Fail
TSP+
Fail
NHTSA Rating
5 Star(1)
5 Star(0)
5 Star(0)
5 Star(2)
U.S. Review
8.2
8.5
7.9
8.3
AJAC Review
656
673
671
659
C.U. Road Test
86
76
88
85
Lemon-aid Score 3 Star
3 Star
4 Star
3 Star
Initial Quality
4 Star
4 Star
4 Star
3 Star
C.U. Reliability
A
BA
MBA
A
Residual Value
38%
37%
43%
46%
BRIDGEFORCE - 2014 RRSP Road Show
Becoming a Better Consumer
Automobiles
Measure
Car A
Car B
Car C
Car D
Warranty
4/80,4/80.12U
4/80,4/80,12U
3/60,5/100,5U
4/80,4/80,5U
IIHS Rating
Fail
Fail
TSP+
Fail
NHTSA Rating
5 Star(1)
5 Star(0)
5 Star(0)
5 Star(2)
U.S. Review
8.2
8.5
7.9
8.3
AJAC Review
656
673
671
659
C.U. Road Test
86
76
88
85
Lemon-aid Score 3 Star
3 Star
4 Star
3 Star
Initial Quality
4 Star
4 Star
4 Star
3 Star
C.U. Reliability
A
BA
MBA
A
Residual Value
38%
37%
43%
46%
First Quartile Performance
BRIDGEFORCE - 2014 RRSP Road Show
Becoming a Better Consumer
Automobiles
Measure
Warranty
4/80,4/80.12U
4/80,4/80,12U
3/60,5/100,5U
4/80,4/80,5U
IIHS Rating
Fail
Fail
TSP+
Fail
NHTSA Rating
5 Star(1)
5 Star(0)
5 Star(0)
5 Star(2)
U.S. Review
8.2
8.5
7.9
8.3
AJAC Review
656
673
671
C.U. Road Test
86
76
88
85
Lemon-aid Score 3 Star
3 Star
4 Star
3 Star
Initial Quality
4 Star
4 Star
4 Star
3 Star
C.U. Reliability
A
BA
MBA
A
Residual Value
38%
37%
43%
46%
1
BRIDGEFORCE - 2014 RRSP Road Show
659
Becoming a Better Consumer
Automobiles
Measure
BMW 3 Series
Warranty
4/80,4/80.12U
4/80,4/80,12U
3/60,5/100,5U
4/80,4/80,5U
IIHS Rating
Fail
Fail
TSP+
Fail
NHTSA Rating
5 Star(1)
5 Star(0)
5 Star(0)
5 Star(2)
U.S. Review
8.2
8.5
7.9
8.3
AJAC Review
656
673
671
C.U. Road Test
86
76
88
85
Lemon-aid Score 3 Star
3 Star
4 Star
3 Star
Initial Quality
4 Star
4 Star
4 Star
3 Star
C.U. Reliability
A
BA
MBA
A
Residual Value
38%
37%
43%
46%
1
BRIDGEFORCE - 2014 RRSP Road Show
659
Becoming a Better Consumer
Automobiles
Measure
BMW 3 Series
M.B. C Class
Warranty
4/80,4/80.12U
4/80,4/80,12U
3/60,5/100,5U
4/80,4/80,5U
IIHS Rating
Fail
Fail
TSP+
Fail
NHTSA Rating
5 Star(1)
5 Star(0)
5 Star(0)
5 Star(2)
U.S. Review
8.2
8.5
7.9
8.3
AJAC Review
656
673
671
C.U. Road Test
86
76
88
85
Lemon-aid Score 3 Star
3 Star
4 Star
3 Star
Initial Quality
4 Star
4 Star
4 Star
3 Star
C.U. Reliability
A
BA
MBA
A
Residual Value
38%
37%
43%
46%
1
BRIDGEFORCE - 2014 RRSP Road Show
659
Becoming a Better Consumer
Automobiles
Measure
BMW 3 Series
Audi A4
M.B. C Class
Warranty
4/80,4/80.12U
4/80,4/80,12U
3/60,5/100,5U
4/80,4/80,5U
IIHS Rating
Fail
Fail
TSP+
Fail
NHTSA Rating
5 Star(1)
5 Star(0)
5 Star(0)
5 Star(2)
U.S. Review
8.2
8.5
7.9
8.3
AJAC Review
656
673
671
C.U. Road Test
86
76
88
85
Lemon-aid Score 3 Star
3 Star
4 Star
3 Star
Initial Quality
4 Star
4 Star
4 Star
3 Star
C.U. Reliability
A
BA
MBA
A
Residual Value
38%
37%
43%
46%
1
BRIDGEFORCE - 2014 RRSP Road Show
659
Becoming a Better Consumer
Automobiles
Measure
BMW 3 Series
Audi A4
Subaru Legacy
M.B. C Class
Warranty
4/80,4/80.12U
4/80,4/80,12U
3/60,5/100,5U
4/80,4/80,5U
IIHS Rating
Fail
Fail
TSP+
Fail
NHTSA Rating
5 Star(1)
5 Star(0)
5 Star(0)
5 Star(2)
U.S. Review
8.2
8.5
7.9
8.3
AJAC Review
656
673
671
C.U. Road Test
86
76
88
85
Lemon-aid Score 3 Star
3 Star
4 Star
3 Star
Initial Quality
4 Star
4 Star
4 Star
3 Star
C.U. Reliability
A
BA
MBA
A
Residual Value
38%
37%
43%
46%
1
BRIDGEFORCE - 2014 RRSP Road Show
659
Becoming a Better Consumer
Automobiles
Measure
Subaru Legacy
Warranty
3/60,5/100,5U
IIHS Rating
TSP+
NHTSA Rating
5 Star(0)
U.S. Review
7.9
AJAC Review
671
C.U. Road Test
88
Lemon-aid Score
4 Star
Initial Quality
4 Star
C.U. Reliability
MBA
Residual Value
43%
BRIDGEFORCE - 2014 RRSP Road Show
Becoming a Better Consumer
Automobiles
Measure
Car E
Car F
Subaru Legacy
Car G
Warranty
4/80,4/80,5U
4/80,4/80,12U
3/60,5/100,5U
4/80,4/80,12U
IIHS Rating
-
-
TSP+
-
NHTSA Rating
-
-
5 Star(0)
5 Star(1)
U.S. Review
9.0
9.0
7.9
8.1
AJAC Review
657
657
671
672
C.U. Road Test
89
93
88
81
Lemon-aid Score 3 Star
3 Star
4 Star
3 Star
Initial Quality
4 Star
3 Star
4 Star
3 Star
C.U. Reliability
BA
MBA
MBA
A
Residual Value
38%
35%
43%
36%
BRIDGEFORCE - 2014 RRSP Road Show
Becoming a Better Consumer
Automobiles
Measure
Car E
Car F
Subaru Legacy
Car G
Warranty
4/80,4/80,5U
4/80,4/80,12U
3/60,5/100,5U
4/80,4/80,12U
IIHS Rating
-
-
TSP+
-
NHTSA Rating
-
-
5 Star(0)
5 Star(1)
U.S. Review
9.0
9.0
7.9
8.1
AJAC Review
657
657
671
672
C.U. Road Test
89
93
88
81
Lemon-aid Score 3 Star
3 Star
4 Star
3 Star
Initial Quality
4 Star
3 Star
4 Star
3 Star
C.U. Reliability
BA
MBA
MBA
A
Residual Value
38%
35%
43%
36%
BRIDGEFORCE - 2014 RRSP Road Show
Becoming a Better Consumer
Automobiles
Measure
Car E
Car F
Subaru Legacy
Car G
Warranty
4/80,4/80,5U
4/80,4/80,12U
3/60,5/100,5U
4/80,4/80,12U
IIHS Rating
-
-
TSP+
-
NHTSA Rating
-
-
5 Star(0)
5 Star(1)
U.S. Review
9.0
9.0
7.9
8.1
AJAC Review
657
657
671
672
C.U. Road Test
89
93
88
81
Lemon-aid Score 3 Star
3 Star
4 Star
3 Star
Initial Quality
4 Star
3 Star
4 Star
3 Star
C.U. Reliability
BA
MBA
MBA
A
Residual Value
38%
35%
43%
36%
BRIDGEFORCE - 2014 RRSP Road Show
Becoming a Better Consumer
Automobiles
Measure
Car E
Car F
Subaru Legacy
Car G
Warranty
4/80,4/80,5U
4/80,4/80,12U
3/60,5/100,5U
4/80,4/80,12U
IIHS Rating
-
-
TSP+
-
NHTSA Rating
-
-
5 Star(0)
5 Star(1)
U.S. Review
9.0
9.0
7.9
8.1
AJAC Review
657
657
671
672
C.U. Road Test
89
93
88
81
Lemon-aid Score 3 Star
3 Star
4 Star
3 Star
Initial Quality
4 Star
3 Star
4 Star
3 Star
C.U. Reliability
BA
MBA
MBA
A
Residual Value
38%
35%
43%
36%
First Quartile Performance
BRIDGEFORCE - 2014 RRSP Road Show
Becoming a Better Consumer
Automobiles
Subaru Legacy
Measure
Warranty
4/80,4/80,5U
4/80,4/80,12U
3/60,5/100,5U
4/80,4/80,12U
IIHS Rating
-
-
TSP+
-
NHTSA Rating
-
-
5 Star(0)
5 Star(1)
U.S. Review
9.0
9.0
7.9
8.1
AJAC Review
657
657
671
C.U. Road Test
89
93
88
81
Lemon-aid Score 3 Star
3 Star
4 Star
3 Star
Initial Quality
4 Star
3 Star
4 Star
3 Star
C.U. Reliability
BA
MBA
MBA
A
Residual Value
38%
35%
43%
36%
1
BRIDGEFORCE - 2014 RRSP Road Show
672
Becoming a Better Consumer
Automobiles
M.B. E Class
Measure
Subaru Legacy
Warranty
4/80,4/80,5U
4/80,4/80,12U
3/60,5/100,5U
4/80,4/80,12U
IIHS Rating
-
-
TSP+
-
NHTSA Rating
-
-
5 Star(0)
5 Star(1)
U.S. Review
9.0
9.0
7.9
8.1
AJAC Review
657
657
671
C.U. Road Test
89
93
88
81
Lemon-aid Score 3 Star
3 Star
4 Star
3 Star
Initial Quality
4 Star
3 Star
4 Star
3 Star
C.U. Reliability
BA
MBA
MBA
A
Residual Value
38%
35%
43%
36%
1
BRIDGEFORCE - 2014 RRSP Road Show
672
Becoming a Better Consumer
Automobiles
M.B. E Class
Measure
Subaru Legacy
BMW 5 Series
Warranty
4/80,4/80,5U
4/80,4/80,12U
3/60,5/100,5U
4/80,4/80,12U
IIHS Rating
-
-
TSP+
-
NHTSA Rating
-
-
5 Star(0)
5 Star(1)
U.S. Review
9.0
9.0
7.9
8.1
AJAC Review
657
657
671
C.U. Road Test
89
93
88
81
Lemon-aid Score 3 Star
3 Star
4 Star
3 Star
Initial Quality
4 Star
3 Star
4 Star
3 Star
C.U. Reliability
BA
MBA
MBA
A
Residual Value
38%
35%
43%
36%
1
BRIDGEFORCE - 2014 RRSP Road Show
672
Becoming a Better Consumer
Automobiles
M.B. E Class
Measure
Audi A6
Subaru Legacy
BMW 5 Series
Warranty
4/80,4/80,5U
4/80,4/80,12U
3/60,5/100,5U
4/80,4/80,12U
IIHS Rating
-
-
TSP+
-
NHTSA Rating
-
-
5 Star(0)
5 Star(1)
U.S. Review
9.0
9.0
7.9
8.1
AJAC Review
657
657
671
C.U. Road Test
89
93
88
81
Lemon-aid Score 3 Star
3 Star
4 Star
3 Star
Initial Quality
4 Star
3 Star
4 Star
3 Star
C.U. Reliability
BA
MBA
MBA
A
Residual Value
38%
35%
43%
36%
1
BRIDGEFORCE - 2014 RRSP Road Show
672
Becoming a Better Consumer
Automobiles
Score
1st Q
1. Subaru Legacy
2. Honda Accord
5. Mazda 6
80
81
91
8
7
6
6. Toyota Camry
7. Hyundai Sonata
8. Kia Optima
92
92
97
4
7
5
Mid-Priced Sedans
German Sedans
Score
1st Q
10. Mercedes E
11. Audi A6
103
106
4
3
15. Audi A4
17. BMW 3
19. BMW 5
22. Mercedes C
121
129
140
147
4
2
3
1
Well Equipped for
Well Equipped for
$30,000
$40,000-60,000
BRIDGEFORCE - 2014 RRSP Road Show
Becoming a Better Consumer
Why do people believe German Sedans are
superior to mid-market Asian sedans?
• German sedans cost more
• Their belief is widely shared
• Their belief is reinforced through marketing
BRIDGEFORCE - 2014 RRSP Road Show
Becoming a Better Consumer
The luxury automobile paradox
• Rich people don’t buy luxury automobiles
• Most of the purchasers of luxury
automobiles finance or lease
• Luxury automobiles are no more satisfying
to drive or own than other automobiles
BRIDGEFORCE - 2014 RRSP Road Show
Becoming a Better Consumer
What has this discussion have to
do with retirement planning?
BRIDGEFORCE - 2014 RRSP Road Show
Becoming a Better Consumer
1.
2.
3.
4.
Buy value - not bling
Purchase experiences, not stuff
Sweat the “big expenses”
Trust no one - do your own homework
BRIDGEFORCE - 2014 RRSP Road Show
Becoming a Better Consumer
Sweat the “big expenses”
• After automobiles, one of your biggest single expenses
will likely be real estate commissions
• Depending on market conditions and the nature of the
property being sold you may not require an agent
• If you do need to list a property, it is important to
understand that the sale will be driven through MLS
(which attracts buyers and their agents)
• The listing agent does NOT drive the sale. He prepares
the initial paperwork, provides staging advice, and may
provide some limited – but generally ineffective –
marketing support.
BRIDGEFORCE - 2014 RRSP Road Show
Becoming a Better Consumer
1.
2.
3.
4.
Buy value - not bling
Purchase experiences, not stuff
Sweat the “big expenses”
Trust no one - do your own homework
BRIDGEFORCE - 2014 RRSP Road Show
Smart Consumer Behaviour
Trust No One – Do Your Homework
•
•
•
•
1970s - Blue Cross introduces “The Blue Plate Special”
Removal of Adolescent Wisdom Teeth becomes “Routine”
2000 – The National Institute for Health report is released
2006 – The results of the first two clinical trials (The
Collaboration Study and the Clinical Evidence Study) are released
• All three conclude that: there is no evidence that wisdom teeth
cause other teeth to shift; there is no justification for remove of
non-symptomatic impacted teeth; and the risks of such removal
actually out weight any future benefits
• The only group to continue to recommend routine remove is the
American Association of Oral and Maxillofacial Surgeons
• Two thirds of the typical oral surgeon’s income is related to the
removal of adolescent wisdom teeth
BRIDGEFORCE - 2014 RRSP Road Show
How to Survive and Thrive
• Get out of debt
• Become a smart consumer
• Ignore the head monkey
• Purchase experiences ... not stuff
• Invest any remaining capital in
appreciating assets
• Have simple, exciting, internalized goals
• Make sure your loved ones are on side
BRIDGEFORCE - 2014 RRSP Road Show
Summary
• Canadians need to accept more responsibility for their
own financial well being in retirement
• The financial and life style protection products you offer
will be of great assistance to them in this process
• They are also in desperate need of financial advice and
expertise – advice and expertise that goes well beyond
simple product recommendations and market knowledge
• You are in the perfect place to capitalize on this
opportunity
• In the end, the two things they will need to survive and
thrive are money and wisdom
BRIDGEFORCE - 2014 RRSP Road Show
Summary
• Canadians need to accept more responsibility for their
own financial well being in retirement
• The financial and life style protection products you offer
will be of great assistance to them in this process
• They are also in desperate need of financial advice and
expertise – advice and expertise that goes well beyond
simple product recommendations and market knowledge
• You are in the perfect place to capitalize on this
opportunity
• In the end, the two things they will need to survive and
thrive are money and wisdom
BRIDGEFORCE - 2014 RRSP Road Show
For wisdom is a defence, and money is a
defence: but the excellency of money is that
wisdom giveth life to them that have it.
- ECCLESIASTES 7:12
BRIDGEFORCE - 2014 RRSP Road Show
BRIDGEFORCE - 2014 RRSP Road Show
Appendix
BRIDGEFORCE - 2014 RRSP Road Show
Warranty
Acura TL
4/80,5/100,5U
Cad. XTS
4/80,6/110,6U
Jaguar XF
Audi A4
4/80, 4/80,12U
Chr. 200
3/60,5/100,3U
Kia Opt.
Audi A6
4/80,4/80,12U
Dodge Av.
3/60,5/100,3U
Lexus ES
4/80,6/110,6U
Su. Legacy 3/60,5/100,5U
BMW 3
4/80,4/80,12U
Ford Fus.
3/60,5/100,5U
Lexus GS
4/80,6/110,6U
Toy. Ava.
3/60,5/100,5U
BMW 5
4/80,4/80,12U
Ford Taur.
3/60,5/100,5U
Lin. MKZ
4/80,6/110,5U
Toy. Cam.
3/60,5/100,5U
Buick Lac. 4/80,6/110,6U
Hon. Acc.
3/60,5/100,5U
Mazda 6
3/60,5/100,8U
VW Pas.
Cad. ATS
4/80,6/110,6U
Hy.Sonat.
5/100,5/100,5U
Merce“C “
4/80,4/80,5U
Volvo S60
4/80,4/80,12U
Cad. CTS
4/80,6/110,6U
Infiniti G
4/100,6/110,7U
Merce“E”
4/80,4/80,5U
Volvo S80
4/80,4/80,12U
4/80,4/80,6U
5/100,5/100,5U
Nis. Alti.
3/60,5/100,5U
Nis. Max.
3/60,5/100,5U
4/80,5/100,12U
First number is basic warranty (yrs/km); second powertrain warranty; third corrosion warranty
BRIDGEFORCE - 2014 RRSP Road Show
Warranty
Acura TL
4/80,5/100,5U
Cad. XTS
4/80,6/110,6U
Jaguar XF
4/80,4/80,6U
Nis. Alti.
3/60,5/100,5U
The Winners
The
Chr. 200
Kia
Opt. Losers
Nis. Max.
31. Chrysler 200
Audi
Av.
Lexus ES
Su. Legacy
1.A6HyundaiDodge
Sonata
Dodge Avenger
BMW 3Kia Optima
Ford Fus.
Lexus GS
Toy. Ava.
23. Ford Fusion,Taurus
BMW
5
Ford Taur.
Lin. MKZ
Toy. Cam.
Honda Accord
3. Infiniti
G
Nissan Altima,
Maxima
Buick Lac.
Hon. Acc.
Mazda 6
VW Pas.
4. Buick Lacrosse
Subaru Legacy
Cad. ATS
Hy.Sonat.
Merce“C “
Volvo S60
Toyota Avalon, Camry
Cadillac ATS,CTS,XTS
Cad. CTS
Infiniti G
Merce“E”
Volvo S80
Lexus ES,GS
Audi A4
4/80, 4/80,12U
3/60,5/100,3U
5/100,5/100,5U
3/60,5/100,5U
4/80,4/80,12U
3/60,5/100,3U
4/80,6/110,6U
3/60,5/100,5U
4/80,4/80,12U
3/60,5/100,5U
4/80,6/110,6U
3/60,5/100,5U
4/80,4/80,12U
3/60,5/100,5U
4/80,6/110,5U
3/60,5/100,5U
4/80,6/110,6U
3/60,5/100,5U
3/60,5/100,8U
4/80,5/100,12U
4/80,6/110,6U
5/100,5/100,5U
4/80,4/80,5U
4/80,4/80,12U
4/80,6/110,6U
4/100,6/110,7U
4/80,4/80,5U
4/80,4/80,12U
First number is basic warranty (yrs/km); second powertrain warranty; third corrosion warranty
BRIDGEFORCE - 2014 RRSP Road Show
IIHS Rating
TL
TSP5G/- XTS
A4
A6
Fail C 200
– 4G/0/B Jaguar XF
TSP4G/1A/- Optima
Fail Fusion TSP+4G/1A/B
Lexus GS
BMW 5
– 4G/0/B Taurus
– 4G/0/B MKZ
Lacrosse
– 4G/0/- Accord
TSP+5G/B Maz6
Cadillac ATS
CTS
TSP4G/1A/- Maxima
– 4G/0/B Avenger TSP4G/1A/- Lexus ES
BMW 3
-
Sonata
– 4G/0/- Infiniti G
TSP4G/1A/Fail
– 4G/0/A Legacy TSP+4G/1A/S
– 4G/0/B Avalon
TSP+4G/1A/B
– 4G/0/B
Camry
TSP4G/1A/-
TSP+4G/1A/A Passat
TSP4G/1A/-
Fail MB “C “
Fail MB“E”
Fail Altima
Fail S60
– 4G/0/B
S80
TSP+5G/S
TSP+5G/S
Insurance Institute for Highway Safety (IIHS), December 2013. TSP+ - 5G or 4G/1A plus front crash prevention;
TSP - 5G or 4G/1A no front crash protection; Blank (-) no small overlap test. Fail – failed one or more tests.
BRIDGEFORCE - 2014 RRSP Road Show
IIHS Rating
TL
TSP5G/- XTS
– 4G/0/B Jaguar XF
The Winners
Fail C 200
TSP
A61. Volvo
– 4G/0/B S60
Avenger TSP
BMW 3Volvo
Fail S80
Fusion TSP+
3. 5Honda
Accord
BMW
– 4G/0/B Taurus
– 4G/0/B
4. Subaru
Legacy
Lacrosse
– 4G/0/- Accord
TSP+5G/B
5. Mazda
6
Cadillac
ATS
Sonata
Fail
A4
4G/1A/-
4G/1A/-
4G/1A/B
CTS
– 4G/0/- Infiniti G
Fail Altima
TSP4G/1A/-
The TSP
Losers
Maxima
Fail
31.ESJaguar
XFTSP
Lexus
– 4G/0/A Legacy
29.GSInfiniti
G – 4G/0/B
Lexus
– 4G/0/B Avalon
NissanCamry
Maxima
MKZ TSP+
TSP
28.TSP+
Audi 4Passat TSP
Maz6
27.
MB
“C “ Hyundai
Fail S60 Sonata
TSP+5G/S
Optima
Fail MB“E”
4G/1A/-
+4G/1A/S
4G/1A/B
4G/1A/-
4G/1A/A
4G/1A/-
– 4G/0/B
S80
TSP+5G/S
Insurance Institute for Highway Safety (IIHS), December 2013. TSP+ - 5G or 4G/1A plus front crash prevention;
TSP - 5G or 4G/1A no front crash protection; Blank (-) no small overlap test. Fail – failed one or more tests.
BRIDGEFORCE - 2014 RRSP Road Show
NHTSA Rating
Acura TL
4 star(2)
Audi A4
5 star(0) Chr. 200
Audi A6
-
Cad. XTS
Dodge Av.
5 star(1) Jaguar XF
Nis. Alti.
5 star(1)
4 star(4) Kia Optima 5 star(0) Nis. Max
4 star(2)
4 star(3) Lexus ES
-
5 star(1)
BMW 3
5 star(1) Ford Fus.
5 star(2)
Lexus GS
-
BMW 5
5 star(1) Ford Taur. 5 star(1)
Lin. MKZ
5 star(2)
Buick Lac. 5 star(1)
Hon. Acc.
5 star(1) Mazda 6
Cad. ATS
5 star(0)
Hy. Sonat. 5 star(1) Merce.”C “ 5 star(2)
Cad. CTS
5 star(1) Infiniti G
-
Mercedes “E”
-
-
Su. Legacy 5 star(0)
Toy. Ava.
Toy. Cam. 5 star(2)
VW Passat
5star(1)
Volvo S60 5 star(0)
Volvo S80
National Highway Traffic Safety Administration, 2013. Star Rating (plus number of fails).
BRIDGEFORCE - 2014 RRSP Road Show
5 star(2)
-
NHTSA Rating
The Winners
The Losers
Audi A4
5 star(0) Chr. 200
4 star(4) Kia Optima 5 star(0) Nis. Max 4 star(2)
1. Kia Optima
25. Chrysler 200
Audi A6
Dodge Av. 4 star(3) Lexus ES 5 star(1) Su. Legacy 5 star(0)
Subaru Legacy 24. Dodge Avenger
BMW 3
5 star(1) Ford Fus. 5 star(2) Lexus GS
Toy. Ava. 5 star(2)
Audi A4
22. Acura TL
BMW 5
5 star(1) Ford Taur. 5 star(1) Lin. MKZ 5 star(2) Toy. Cam. 5 star(2)
Cadillac ATS
Nissan Maxima
Buick Lac. 5 star(1) Hon. Acc. 5 star(1) Mazda 6
VW Passat 5star(1)
17.
Mercedes
“C”
Class,
Volvo S60
Acura TL
4 star(2)
Cad. XTS
5 star(1) Jaguar XF
-
Cad. ATS
5 star(0)
Lincoln
MKZ,
Hy. Sonat. 5 star(1) Merce.”C
“ 5 star(2)
VolvoToyota
S60 5 star(0)
5 star(1)
Toyota
Camry,Volvo S80
Ford
National Highway Traffic Safety Administration, 2013. Star
RatingFusion
(plus number of fails).
Cad. CTS
5 star(1) Infiniti G
-
Avalon,
Mercedes
“E” -
Nis. Alti.
BRIDGEFORCE - 2014 RRSP Road Show
U.S. News - Car Rankings
Acura TL
8.5
Cadillac XTS
7.7
Jaguar XF
8.5
Nissan Altima
Audi A4
8.5
Chrysler 200
6.9
Kia Optima
7.9
Nissan Maxima 7.6
Audi A6
9.0
Dodge Avenger 6.6
Lexus ES
7.8
Subaru Legacy 7.9
BMW 3 Series 8.2
Ford Fusion
8.7
Lexus GS
8.3
Toyota Avalon 8.2
BMW 5 Series 8.1
Ford Taurus
7.9
Lincoln MKZ
6.6
Toyota Camry
8.5
Buick Lacrosse 8.4
Honda Accord 8.7
Mazda 6
8.8
VW Passat
8.0
Cadillac ATS
8.3
Hyundai Sonata 8.8
Mercedes “C “ 8.3
Volvo S60
8.3
Cadillac CTS
9.3
Infiniti G
Mercedes “E”
Volvo S80
7.8
8.6
9.0
U.S. News Overall Rating, December 2013.
BRIDGEFORCE - 2014 RRSP Road Show
8.5
U.S. News - Car Rankings
Acura TL
8.5
Cadillac XTS
7.7
The Winners
8.5 Chrysler 200
6.9
Audi
9.0 Dodge
Avenger 6.6
1.A6Cadillac
CTS
BMW
3 Series 8.2
2. Audi
A6Ford Fusion 8.7
BMWMercedes
5 Series 8.1 Ford “E”
Taurus
7.9
Buick
Lacrosse 8.4 Honda
Accord 8.7
4. Hyundai
Sonata
Cadillac
ATS
8.3 6
Hyundai Sonata 8.8
Mazda
Audi A4
Cadillac CTS
9.3
Infiniti G
8.6
Jaguar XF
8.5
Nissan Altima
8.5
The Losers
7.9 Nissan Maxima 7.6
Lexus
7.8 Subaru
Legacy 7.9
31.ESLincoln
MKZ
Lexus GSDodge
8.3 Toyota
Avalon 8.2
Avenger
Lincoln
6.6 Toyota200
Camry 8.5
30.MKZ
Chrysler
Mazda
8.8 VW
Passat
8.0
29.6 Nissan
Maxima
Mercedes
“C “ 8.3 VolvoXTS
S60
8.3
28. Cadillac
Kia Optima
Mercedes “E”
9.0
U.S. News Overall Rating, December 2013.
BRIDGEFORCE - 2014 RRSP Road Show
Volvo S80
7.8
AJAC Test Results
Acura TL
650
Cadillac XTS
632
Jaguar XF
637
Nissan Altima
Audi A4
673
Chrysler 200
640
Kia Optima
677
Nissan Maxima 658
Audi A6
657
Dodge Avenger 624
Lexus ES
644
Subaru Legacy 671
BMW 3 Series 656
Ford Fusion
682
Lexus GS
651
Toyota Avalon 648
BMW 5 Series 672
Ford Taurus
660
Lincoln MKZ
626
Toyota Camry 660
Buick Lacrosse 643
Honda Accord 683
Mazda 6
684
VW Passat
670
Cadillac ATS
660
Hyundai Sonata 687
Mercedes “C “ 659
Volvo S60
657
Cadillac CTS
663
Infiniti G
Mercedes “E”
Volvo S80
628
658
657
AJAC results up to and including year end 2013 test results.
BRIDGEFORCE - 2014 RRSP Road Show
667
AJAC Test Results
Acura TL
650
Cadillac XTS
632
The Winners
673 Chrysler 200 640
1.A6Hyundai
Sonata
Audi
657 Dodge
Avenger 624
2. 3Mazda
6 Fusion 682
BMW
Series 666 Ford
3. 5Honda
BMW
Series 672 Accord
Ford Taurus
660
4.Lacrosse
Ford643Fusion
Buick
Honda Accord 683
5. Kia
Cadillac
ATS Optima
660 Hyundai Sonata 687
Audi A4
Cadillac CTS
663
Infiniti G
658
Jaguar XF
637
Nissan Altima
667
The Losers
677 Nissan Maxima 658
32.ESDodge
Avenger
Lexus
644 Subaru
Legacy 671
31.GSLincoln
MKZ
Lexus
651 Toyota
Avalon 648
30. MKZ
Volvo
Lincoln
626 S80
Toyota Camry 660
29.6 Cadillac
XTS 670
Mazda
684 VW Passat
28. Jaguar
XFS60 657
Mercedes
“C “ 659 Volvo
Kia Optima
Mercedes “E”
657
AJAC results up to and including year end 2013 test results.
BRIDGEFORCE - 2014 RRSP Road Show
Volvo S80
628
Consumer’s Reports Road Test
Acura TL
82
Cadillac XTS
79
Jaguar XF
83
Nissan Altima
Audi A4
76
Chrysler 200
52
Kia Optima
84
Nissan Maxima 83
Audi A6
93
Dodge Avenger
43
Lexus ES
82
Subaru Legacy 88
BMW 3 Series
86
Ford Fusion
87
Lexus GS
84
Toyota Avalon
85
BMW 5 Series
81
Ford Taurus
64
Lincoln MKZ
-
Toyota Camry
93
Buick Lacrosse
78
Honda Accord
90
Mazda 6
81
VW Passat
82
Cadillac ATS
76
Hyundai Sonata 89
Mercedes “C “
85
Volvo S60
77
Cadillac CTS
84
Infiniti G
Mercedes “E”
89
Volvo S80
70
95
Road Test results, June 2013.
BRIDGEFORCE - 2014 RRSP Road Show
84
Consumer’s Reports Road Test
Acura TL
82
Cadillac XTS
79
The Winners
76 Chrysler 200
52
1.A6Infiniti
Audi
93 G
Dodge Avenger 43
2. Toyota
BMW
3 Series 86 Camry
Ford Fusion
87
3. Audi
A6Ford Taurus 64
BMW
5 Series 81
4. Honda
Buick
Lacrosse 78 Accord
Honda Accord 90
5. Hyundai
Sonata
Cadillac
ATS
76 Hyundai
Sonata 89
CadillacMercedes
CTS
84 Infiniti“E”
G
95
Audi A4
Jaguar XF
83
Nissan Altima
84
The Losers
84 Nissan Maxima 83
31.ESDodge
Avenger
Lexus
82 Subaru
Legacy 88
30.GSChrysler
Lexus
84 Toyota200
Avalon 85
29.MKZ
Ford- Taurus
Lincoln
Toyota Camry 93
28.6 Volvo
S80
Mazda
81 VW
Passat
82
26. Audi
Mercedes
“C “ 85 A4
Volvo S60
77
MercedesCadillac
“E”
89 VolvoATS
S80
70
Kia Optima
Road Test results, June 2013.
BRIDGEFORCE - 2014 RRSP Road Show
Lemon-aid Rating
Acura TL
3 Star
Audi A4
3 Star Chrysler 200 1 Star Kia Optima
1 Star Maxima
4 Star
Audi A6
3 Star Avenger
1 Star
Lexus ES
3 Star
Legacy
4 Star
BMW 3
3 Star Ford Fusion
2 Star
Lexus GS
3 Star
Avalon
4 Star
Ford Taurus
3 Star
MKZ
3 Star
Camry
3 Star
Accord
4 Star
Mazda 6
4 Star
Passat
2 Star
Sonata
2 Star Merce. “C “
3 Star
Volvo S60
-
4 Star Merce.“E”
3 Star
Volvo S80
-
BMW 5 Series
Lacrosse
Cadillac ATS
3 Star
-
Cadillac XTS
Cadillac CTS 3 Star Infiniti G
-
Jaguar XF
-
Altima
4 Star
Lemon-aid 2013. 4 Star – Above average; 3 Star – Average; 2 Star – Below average; 1 Star – Not
recommended.
BRIDGEFORCE - 2014 RRSP Road Show
Lemon-aid Rating
3 Star Cadillac XTS
Jaguar
Altima
4 Star
The Winners
TheXF Losers
Audi A4
3 Star Chrysler 200 1 Star Kia Optima
1 Star Maxima
4 Star
1. Honda
Accord
24. Dodge
Avenger
Audi A6
3 Star Avenger
1 Star Lexus ES
3 Star Legacy
Mazda
6
Chrysler
200 4 Star
BMW 3
3 Star Ford Fusion 2 Star Lexus GS
3 Star Avalon
4 Star
Subaru Legacy
Kia Optima
BMW 5 Series
Ford Taurus 3 Star MKZ
3 Star Camry
3 Star
Nissan Altima
21. VW Passat
Lacrosse
3 Star Accord
4 Star Mazda 6
4 Star Passat
2 Star
Nissan Maxima
Ford Fusion
Cadillac ATS
Sonata
2 Star Merce. “C “ 3 Star Volvo S60
Toyota Avalon
Hyundai Sonata
Cadillac CTS 3 Star Infiniti G
4 Star Merce.“E” 3 Star Volvo S80
Infiniti G
Acura TL
Lemon-aid 2013. 4 Star – Above average; 3 Star - Average; 2 Star - Below average; 1 Star - Not
recommended.
BRIDGEFORCE - 2014 RRSP Road Show
J.D. Power Initial Quality
Acura TL
5
Cadillac XTS
2
Jaguar XF
4
Nissan Altima
2
Audi A4
4
Chrysler 200
3
Kia Optima
4
Nissan Maxima
4
Audi A6
3
Dodge Avenger
3
Lexus ES
4
Subaru Legacy
4
BMW 3 Series
4
Ford Fusion
3
Lexus GS
4
Toyota Avalon
4
BMW 5 Series
3
Ford Taurus
2
Lincoln MKZ
2
Toyota Camry
5
Buick Lacrosse
3
Honda Accord
3
Mazda 6
4
VW Passat
3
Cadillac ATS
2
Hyundai Sonata
4
Mercedes “C “
3
Volvo S60
3
Cadillac CTS
5
Infiniti G
5
Mercedes “E”
4
Volvo S80
2
J.D. Power Initial Quality rating (1-5).
BRIDGEFORCE - 2014 RRSP Road Show
J.D. Power Initial Quality
5 Cadillac XTS
The Winners
Audi A4
Chrysler 200
1. Toyota4 Camry
Audi A6
Dodge Avenger
Acura3 TL
BMW 3 Series
4 Ford Fusion
Infiniti G
BMW 5 Series
3 Ford Taurus
Cadillac CTS
Acura TL
2
3
3
3
2
Buick
3 Honda
Accord
3
5. Lacrosse
Hyundai Sonata,
Kia Optima,
Mazda 6, Subaru Legacy, BMW 3
Series,
ES,Sonata
Lexus 4
Cadillac
ATS Audi A4,
2 Lexus
Hyundai
GS, Mercedes “E” Class, Nissan
Cadillac
CTS Toyota
5 Avalon,
Infiniti GJaguar XF 5
Maxima,
4 Nissan Altima
2
The Losers
Kia Optima
4 Nissan Maxima 4
27. Volvo
S80
Lexus ES
4 Subaru Legacy
Cadillac
XTS 4
Lexus GS
4 Toyota Avalon
4
Cadillac ATS
Lincoln MKZ
2 Toyota Camry
5
Lincoln MKZ
Mazda 6
4 VW Passat
3
Ford Taurus
Mercedes “C “
3 Volvo S60
3
Nissan Altima
Jaguar XF
Mercedes “E”
4
J.D. Power Initial Quality rating (1-5).
BRIDGEFORCE - 2014 RRSP Road Show
Volvo S80
2
Consumer’s Reports Reliability
Acura TL
Audi A4
Audi A6
MBA Cadillac XTS MWA Jaguar XF
BA Chrysler 200
MBA
Dodge Avenger
BMW 3 Series
A Ford Fusion
BMW 5 Series
BA Ford Taurus
Buick Lacrosse WA
Cadillac ATS
Cadillac CTS
A Kia Optima
-
A Lexus GS
MWA Lincoln MKZ
Honda Accord
A
A Hyundai Sonata
BA Infiniti G
Lexus ES
Mazda 6
A Mercedes “C “
MBA Mercedes “E”
MWA Nissan Altima MWA
A Nissan Maxima BA
MBA Subaru Legacy MBA
BA
-
Toyota Avalon MBA
Toyota Camry
BA
BA VW Passat
A
A Volvo S60
A
BA Volvo S80
BA
Consumers Reports, June 2013/December 2013. MBA – Much Better than Average; BA – Better
than Average; A – Average; WA – Worse than Average; MWA – Much worse than Average.
BRIDGEFORCE - 2014 RRSP Road Show
Consumer’s Reports Reliability
Acura TL
MBA Cadillac XTS MWA Jaguar XF
MWA Nissan Altima MWA
The Winners
The Losers
BA Chrysler 200
A Kia Optima
A Nissan Maxima BA
1. Subaru
Legacy - Lexus
27.ESJaguar
XF
Audi A6
MBA Dodge Avenger
MBA Subaru Legacy MBA
Toyota
Avalon A Lexus GSCadillac
XTS
BMW 3 Series
A Ford Fusion
BA Toyota Avalon MBA
Acura TL
Ford- Taurus
BMW 5 Series BA Ford Taurus MWA Lincoln MKZ
Toyota Camry BA
Lexus
Altima
Buick Lacrosse
WA ES
Honda Accord
A Mazda 6 Nissan
BA VW
Passat
A
G Sonata A Mercedes
26. Buick
Lacrosse
CadillacInfiniti
ATS
A Hyundai
“C “
A Volvo
S60
A
CadillacAudi
CTS
BA
Infiniti G
MBA Mercedes “E”
BA Volvo S80
BA
A6
Audi A4
Consumers Reports, June 2013/December 2013. MBA – Much Better than Average; BA – Better
than Average; A – Average; WA – Worse than Average; MWA – Much worse than Average.
BRIDGEFORCE - 2014 RRSP Road Show
Kelly Blue Book Residual Value
Acura TL
42%
Cadillac XTS
32% Jaguar XF
30%
Nissan Altima
43%
Audi A4
37%
Chrysler 200
31% Kia Optima
49% Nissan Maxima 36%
Audi A6
35%
Dodge Avenger 36% Lexus ES
46% Subaru Legacy 43%
BMW 3 Series 38% Ford Fusion
42% Lexus GS
43% Toyota Avalon 43%
BMW 5 Series 36% Ford Taurus
35% Lincoln MKZ
37% Toyota Camry 46%
Buick Lacrosse 29% Honda Accord 47% Mazda 6
Cadillac ATS
41% Hyundai Sonata 44%
Cadillac CTS
34%
Infiniti G
39% VW Passat
33%
Mercedes “C “ 46% Volvo S60
34%
41% Mercedes “E”
38%
Volvo S80
Percentage of MSRP retained after five years. Source: Kelly Blue Book, December 2013.
BRIDGEFORCE - 2014 RRSP Road Show
29%
Kelly Blue Book Residual Value
Acura TL
42%
Cadillac XTS
32% Jaguar XF
The Winners
37% Chrysler 200 31%
Audi
Dodge Avenger 36%
1.A6Kia 35%
Optima
BMW
Series 38% Ford
Fusion
42%
2. 3Honda
Accord
BMW
Series 36% Ford
Taurus
35%
3. 5Toyota
Camry
Buick Lacrosse
29% Honda Accord
Mercedes
“C” 47%
CadillacLexus
ATS
41% ES
Hyundai Sonata 44%
Audi A4
Cadillac CTS
34%
Infiniti G
30%
Nissan Altima
43%
The Losers
49% Nissan Maxima 36%
Lexus
46% Subaru
31.ES Volvo
S80Legacy 43%
Lexus GS Buick
43% Toyota
Avalon 43%
Lacrosse
Lincoln
37% Toyota
30.MKZ
Jaguar
XFCamry 46%
Mazda
39% VW Passat
29.6 Chrysler
200 33%
Mercedes
“ 46% Volvo S60
28. “CCadillac
XTS34%
Kia Optima
41% Mercedes “E”
38%
Volvo S80
Percentage of MSRP retained after five years. Source: Kelly Blue Book, December 2013.
BRIDGEFORCE - 2014 RRSP Road Show
29%