The beauty of ROI's Adjustable CashFlow Series is it fits into the twists and turns of life.   If you need more cash flow, choose Series 7, if you need less, switch to Series 5.   If it doesn't matter, Series A works.   The flexibility works with your needs – and you can change at any time without triggering capital gains.

Please note that Series 9 does not apply to ROI Canadian Retirement Fund and Series 5 does not apply to ROI Sceptre Retirement Growth Fund.