Latest news in Capital accumulation plans

Managing a changing workforce

Employers should consider the needs of different generations in their HR programs. As the baby boomers approach retirement, employees are becoming immensely important to employers.…

The Five Most Common Mistakes Surrounding TDFs

A TDF primer for DC plan sponsors. TDFs have become staples of DC retirement plans over the past decade. But in moving to TDFs, plan…

A Smooth Road to Retirement

New trends in transitioning to retirement. Planning for retirement is a psychological and emotional journey. For many, it is also a source of anxiety—especially when…

The Auto Route

Could auto features offer the smoothest road to adequate retirement savings for CAP members? Two-thirds of Canadian households are saving at levels that will not…

Equity Insights and Market Bubbles

Asset bubbles: how do they form and what happens when they burst? Asset bubbles have been a part of the investment landscape for centuries. A…

TDFs to Go

Are target date funds a healthy choice for plan sponsors concerned about member engagement? Many plan members remain in a state of investment and retirement…

Exploring opportunities for the new TFSA

Exploring opportunities for the new TFSA

Heralded by the federal government as “the most important tax innovation in a generation,” the tax-free savings account (TFSA) will quickly become established as a…

2009 DC Plan Summit Report: End Transmission

DC plan member engagement is even more important in an economic downturn. But how do you get the message out? Imagine you’re a 25-year veteran…

Who’s Offering Group TFSAs?

Since their introduction in January, Group tax-free savings accounts (TFSAs) have not enjoyed the uptake that some had expected. Is this a rejection of the…

Group TFSAs: A Tentative Start

While Tax-Free Savings Accounts (TFSAs) are a hit with individuals, their penetration has been modest with group benefit plans in the workplace. A few weeks…

Between a Rock and a Hard Place

Containing costs and increasing flexibility within group benefits and retirement savings programs are issues that small businesses face year after year. And, in light of…

Whose Job is it Anyway?

Sometimes we all just need a little advice—especially when it comes to our investments. On the topic of investment advice for capital accumulation plan (CAP)…

Engaging DC Plan Members

Plan sponsors frequently struggle with their members’ involvement and the choices they make. In times of economic downturn, engagement becomes even more important. But what…

Communicating to CAP plan members in turbulent times: Not so easy!

Year 2008 certainly has been a challenging one financially, and those capital accumulation plan (CAP) members who had not realized what it meant to them…

Retirement Reality Check

Key considerations for CA P sponsors to help their employees transition to retirement. It is amazing how quickly life can sneak up on you. One…

Moratorium on withdrawals highlights need for deeper due diligence

As various media have reported in the past weeks, liquidity is at the core of the worldwide financial crisis. The crisis was initially rooted in…

  • By: Greg Hurst
  • January 8, 2009 September 13, 2019
  • 00:00

Treading Water

Capital accumulation plan providers have witnessed some serious storms this year. Now, they are focused on helping members stay afloat by educating them in preparation…

Autopiloting Assets

Mutual fund manufacturers are always in search of sticky assets. Lately they have been hard to find, as record volatility unleashes substantial reductions. That doesn’t…

  • By: Scot Blythe
  • December 5, 2008 September 13, 2019
  • 00:00

The Stark Reality of DC Plans

With the markets plummeting and the economy slowing, everyone is concerned with costs. Maybe this is a good time to take a look at the…

Communicating to plan members in turbulent times

In the recent, financially challenging weeks, it seems like everyone has become an expert at communicating with capital accumulation plan (CAP) members. As a plan…

Getting the Message Across

As we continue through these challenging financial times, I get asked some pretty interesting questions. Many of these questions relate to the decline of the…

Managing your CAP during the current crisis

The dramatic sell-off in stock markets around the globe has been very bad news for participants in capital accumulation plans (CAPs). This is a critically…

The Role of TDFs in a DC Portfolio

As the defined contribution (DC) plan becomes the central savings vehicle around the world, one industry expert says plan sponsors need to choose the right…

The Right Choice

Choosing the perfect default fund for a defined contribution plan isn’t easy, but a roundtable discussion at the DC Investment Forum in Toronto provided a…

Factors to Consider When Choosing a TDF

According to Stephen Lingard, vice-president and portfolio manager of Franklin Templeton Managed Investment Solutions, there are three things that plan sponsors need to consider before…