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The Depleting Systematic Plans Report

Learn how to manage depleting systematic plans to avoid disruptions in your client's payments and ensure consistent funding

The Depleting Systematic Plans Report identifies clients with SWP (Systematic Withdrawal Plan), RIF (Registered Income Fund), and LIF (Life Income Fund) plans that do not have sufficient managed positions to fund the upcoming payment. Properly managing these plans prevents any interruption to the client's payments and helps maintain their expected income flow.

What is the Depleting Systematic Plans Report?

The Depleting Systematic Plans Report highlights accounts where SWP, RIF, or LIF plans are at risk of not being fully funded for the next payment. This situation occurs when there are insufficient managed positions within the account to meet the required withdrawal amount.

Why Clients Appear on this Report

Clients appear on the Depleting Systematic Plans Report when their SWP, RIF, or LIF plan is nearing a point where there are not enough managed positions to cover the next payment. This can happen if the investment balance has depleted, or if no additional funds have been allocated to the account.

How this Impacts Clients

If the account is not properly funded within 14 days of the next scheduled payment, the systematic plan will be stopped. This means that clients will not receive their regular payments, potentially disrupting their planned income flow. It's crucial to address any depleting plans promptly to ensure clients continue receiving their scheduled withdrawals without issue.

How to Access the Depleting Systematic Plans Report

To access the Depleting Systematic Plans Report:

  • Log in to the CRM portal.
  • From the left navigation menu, click CRM > Systematic Plans.
  • On the contact’s index page, you can access the report as a saved view by clicking +Add view to the right of the tabs on the index page, and selecting The Depleting Systematic Plans Report from the dropdown.


You will now see a filtered list of all clients whose SWP, RIF, or LIF plans are at risk of not being funded for the next payment.

Resolving Depleting Systematic Plans

To address depleting systematic plans, please ensure that one of the following actions is completed:

  • Move funds from an RRSP or LIRA account to fund the RIF or LIF plan.
  • Stop the SWP if the client no longer wishes to continue with the plan.
  • Place a sell request to invest funds into the Optimize Model, ensuring that the systematic plan can be reinitiated.

For detailed instructions, see the related article: How to Manage Systematic Withdrawal Plans.

Best Practices

  • Regularly review the Depleting Systematic Plans Report monthly or quarterly to identify any accounts that may require funding adjustments.
  • Act promptly within 14 days of receiving the report to prevent the systematic plan from being halted.
  • Communicate with clients ahead of time to ensure there is enough time to implement necessary adjustments before the next scheduled payment.