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  • Commuted Value Omers Pension : r PersonalFinanceCanada - Reddit
    Commuted value is basically the present value of your retirement benefits You have, with less than 3 years of service, very very very little retirement benefits - because, you know, retirement benefits (with the exception of maybe MP's pensions) takes more than 2 5 years to accumulate
  • Leaving OMERS early, what can you expect for commuted value at . . . - Reddit
    I’m 33 and am working for 65k yearly at a municipality From what I understand if I leave after a year or two I basically get my contributions back Can anyone explain or shed light on what I (or anyone else who’s left omers way before retirement age) can expect the commuted value to be in 5 years? 10 years? 15 years? At some point can I expect double what I’ve put in? Does anyone have
  • Pension commuted value! : r PersonalFinanceCanada - Reddit
    I wouldn't take the commuted value unless you are confident in your ability to invest it without making mistakes (and get a better return than your pension administrator can)
  • Defined Benefit Pension Plan Commuted Value is -43%. HELP! : r . . . - Reddit
    The plan investments aren't relevant The commuted value of your pension is the present value of your pension owed at retirement If interest rates are 2% higher and you've got 20+ years to retirement then it makes perfect sense that your present value would be 40% less or more
  • Leaving pension - is it normal for Commuted Value to be less . . . - Reddit
    My total pension contributions are around 95k, and the commuted value is just over 18k Is this normal?? I've tried looking online for rules about how commuted values are calculated, seems they're tied to bond yield interest rates etc, but I was having trouble finding answers on how the Commuted Value relates to total pension contributions
  • How to value a HOOPP pension in the future? - Reddit
    The commuted value is normally calculated by an actuary based on a VARIETY of assumptions which change every so often To answer your question, there is really no way to predict future commuted value And you won't find a reliable calculator to answer this question either
  • OMERS Pension - Leave It In or Commute? : r PersonalFinanceCanada - Reddit
    I am 54 and have elected to leave an OMERS employer after 32 years Option 1 $75,000 (subject to undefined actuarial reduction based on leaving 6 months prior to 55) or Option 2 $2 1 million commuted value $775,000 can be transferred to a LIRA, balance in cash Small amount of RRSP room (pension adjustment reversal undetermined), so upwards of $600,000 payable in taxes Thoughts?
  • What were Obama’s most controversial presidential pardons?
    I know the definitions are different, but how is a commuted sentence different from a pardon in effect? With a pardon, you still admit to performing the crime, and with commuting, you get out of your sentence (although in theory you could commute only part of a sentence, and not the full thing) Is the difference administrative?
  • Cashing out Defined Benefit Pension (HOOPP) : r . . . - Reddit
    Commuted Value is impacted by relative interest rates Basically, lower interest rates today (and they are pretty darn low), will increase the Commuted Value Every Pension Plan has their own calculations and may Cap the CV amount Typically, portion A has to be transferred to a LIRA Portion B is a Cash Amount
  • How bad is a 1 hour commute? : r ITCareerQuestions - Reddit
    I drove 45mins 1-way for nearly 5 years At the time, I honestly didn't mind it because the vast majority of it was highway driving and I'd be cruising Now that I work from home, looking back I realize how much that actually sucked but how necessary it was to get to where I am today A 1-hour commute is absolutely worth it if you can put a high-value title on your resume





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