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Latest news in Capital accumulation plans

Build a Better Default

Traditionally, money market funds have been the most popular default fund in defined contribution (DC) pension plans but now that people are living longer, and…

CAPs Require a Change in Focus

Capital accumulation plan (CAP) members need to learn how to shift from building wealth to preserving wealth and lifestyle, and it’s up to plan sponsors…

TFSAs Explained

Although tax-free savings accounts (TFSAs) won’t be implemented until January 2009, employers need to start thinking how, or if, this new savings vehicle will complement…

DC Plans in Need of Review: Report

The defined contribution and group RRSP plans currently available to Canadians will provide inadequate retirement income and a comprehensive analysis of the industry is needed,…

Of DC plan benefits adequacy and employer contributions

A lot has been said on member engagement, education and investment performance, but it often seems like plan design and employer contribution rates are (relatively)…

Cashing in on TFSAs

Just how popular will the new Tax-Free Savings Account become in the future? Now that the deadline to make contributions to registered retirement savings plans…

TDFs: The Next Generation

A spin on the traditional target date fund offers greater flexibility and simplified governance for CAP sponsors. When it comes to investing, people are always…

DC Plans’ Best Years May Be Over: Report

The potential pension employees can get from their defined contribution plan peaked in 2000 and if economic conditions revert to historical norms, DC pensions could…

Overcoming Plan Member Inertia

Defined contribution plan member inertia is due to a lack of understanding and a bewildering array of choices, and overcoming that inertia requires a concerted…

  • By: Jody White
  • April 29, 2008 September 13, 2019
  • 00:00

A New Default Strategy

Target-date funds will be the most prevalent default investment for defined contribution retirement plan participants in the United States, according to a survey by investment…

Investment Structure is Good for DB & DC

Reflecting a bit on my upbringing, I had the great fortune of dining most evenings with my family. My mother had a tremendous gift for…

DC Plan Sponsors Take Action

As the popularity of defined contribution (DC) plans grows, sponsors in the United States are taking a number of positive steps to help their employees,…

Another Perfect Storm?

Pension funds may be about to experience the second perfect hundred year storm in this decade. With Canadian stock markets already down this year and…

DC2018: A Vision for the Future

  Delegates at the DC Plan Summit were assigned to teams and instructed to come up with a vision for DC Plans in the year…

  • April 1, 2008 September 13, 2019
  • 00:00

The Changing DC Landscape

Lessons from the U.S. U.S. defined contribution (DC) plans are transitioning from supplemental savings plans to the primary source of retirement income for many employees.…

Sunsuper: An Australian case study

Education and advice—some insights and learnings. Regulations for advice are framed around a holistic model, although many pension fund members seek advice on a limited…

  • By: Tony Lally
  • April 1, 2008 September 13, 2019
  • 00:00

Safe Harbours

Providing protection for Canada’s money purchase pension plans. Many employers would like to enhance their employees’ defined contribution (DC) retirement prospects, but may pull back…

Putting the Member First

Good governance and transitioning to retirement. Increasingly, plan sponsors are transitioning plan members into retirement. In fact, this is a growing responsibility. Statistics Canada states…

Overcoming Plan Member Inertia

Spaced repetition erodes resistance. I am not certain Sir Isaac Newton was thinking of capital accumulation plan (CAP) members when he came up with his…

Managing Longevity Risk

The case for lifecycle investing. Many Canadians are likely due for a jarring wake-up call come retirement. A closer look at the retirement equation and…

Lifecycle Investing in the DC Plan

The active versus passive debate. The passive versus active debate has raged for years in defined benefit (DB) circles, and now the growing influence of…

Investment Manager’s Perspective

Opportunities and pitfalls. The first part of the presentation focused on the observation that plan sponsors have a tendency to overestimate the importance of short-term…

Dynamic DC Plan Design

How DC plan design can help ensure benefits adequacy for members. Much of the focus on enabling defined contribution (DC) plan members to save enough…

DC2018

A glimpse into the future of Canada’s defined contribution pension plans. Over the years, Hollywood has put forward many versions of what the future might…

Bridging the Great Divide

Helping Canadians see and shape their retirement reality. Despite the excellent work that’s been done to educate Canadian plan members about retirement and retirement planning,…