The challenge of managing pension plans during an economic downturn requires employers and administrators to revisit their legal responsibilities. The global financial and economic pressures…
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…
Engagement and adequacy: are they mutually exclusive? Defined contribution (DC) plan sponsors have generally operated on the assumption that engaging members is the ultimate goal.…
The next generation of DC investment products. Despite the success of lifecycle funds and related products globally, there are two improvements that would greatly enhance…
Understanding the role that behaviour plays in plan member engagement. In the evolving climate of group retirement savings, getting members to play an active role…
Helping plan sponsors to mitigate risk, strengthen plan governance and improve their investment platforms. Plan sponsors face numerous governance challenges in the operation of their…
Addressing risk tolerance: choosing a target date solution for Canadians. Compared with investors in other countries, Canadians tend to be more risk-averse where their finances…
The need to consider strategies that have limited exposure or low correlation to the investor’s industry. If you ask typical plan participants what their single…
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.…
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…
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…
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…
Employers today are facing tough business decisions relating to their benefits plans driven by the difficult economic environment. In particular, they may need to consider…
In times of increased economic uncertainty, the number of tough financial choices facing the average person seems to rise exponentially. Clashing priorities battle it out:…
One employee touts the benefits of an ESOP, while an academic notes it depends on individual financial circumstances and plan design. Morgan Zirul, store manager,…
PepsiCo Canada may be known for quenching thirst and satisfying snack cravings, but the organization’s leadership recently identified another kind of demand: clearer, more personalized…