Do I Want my Retirement Income to Come From Dividends and Interest or Capital and Growth?

As we edge nearer to retirement I’m trying to position our investments to match our retirement plan. Of course that would be easier if we HAD a retirement plan. One of the first choices we need to make is whether we are planning to fund our retirement from the capital gains made by our investments or only from the dividends, interest and other income our investments generate.

Comparing the Interest Rate for a Business Savings Account at Tangerine versus the Big Banks

Why would anyone bother opening a Business Savings Account at Tangerine? Is the interest rate that much higher than the rates at BMO, CIBC, RBC, Scotia, and TD?
(Also: Read on to find out which of those Big 5 Banks won my Personal Sneer of Disapproval award for making it very difficult to determine the interest rate they offer on their Business Savings Account.)