u/queenmagrat

I'm just getting started with Adviice and am running into some issues with our investments.

• How do I handle after tax RRSP/FHSA contributions and the related tax refunds etc.? Is there a way to decide how the refund is being used, for example? We don't always reinvest the full refund.
• How do I set up a "hybrid" workplace pension? I basically get the greater of my DCPP-style investment account or the DBPP-style minimum guaranteed income. I'm trying accurately capture pre-tax employer and employee contributions as well as the pension adjustment on my T4/NOA in Adviice and there isn't a clear way to do it. I'd also like to include the investment account's value and growth over time as this is significantly larger than the guaranteed income and can be transferred to a LIRA if I change employers/when I retire (i.e., I'm basically thinking of it as a DCPP and not a hybrid).

My numbers seem off and I think its partly because of those two issues.

I'm trying to figure out my CoastFIRE number and have no idea how to factor in my defined contribution pension (employer matches my contributions).

How do I handle the current value and predicted future annual pension in the different calculators (e.g. the one on Every Dollar Counts)? Do I add the current value to my investments but not the predicted annual income? Just the income? Both?

The predicted income on my statement also has two numbers: one for if I work at the same organization until retirement and one for if I left now.

I'm also not sure if I should include the contributions in my savings rate.

I have other investments (TFSA and RRSP) as well.

ETA: Turns out it's a hybrid pension (so I'll get the greater of my DC-style investment portion or a DB-style guaranteed income).