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Thinking CAP

Thinking CAP

Going by the numbers, 2010 was good to Canada’s capital accumulation plan (CAP) industry. With double-digit growth in both defined contribution (DC) and group RRSP…

Issuing bonds to fund pension deficits

Issuing bonds to fund pension deficits

In November, several companies south of the border issued bonds and the proceeds of the sale were used to help fund pension deficits. These companies…

When members lose control: lessons learned from the world of politics

When members lose control: lessons learned from the world of politics

In 2008, Americans voted in record numbers, with millions submitting early ballots and others standing in lines that snaked around the block—sometimes in pouring rain.…

Is Canada ready for the DC spend-down phase?

Up to now, the CAP industry has largely focused on the accumulation phase of retirement planning. Understandably so, as defined contribution (DC) type arrangements in…

Dynamic DCs: working Canadians deserve it

Dynamic DCs: working Canadians deserve it

Maybe Elvis Presley’s line “a little less conversation, a little more action please” can help inspire the retirement savings industry to ask themselves, “How can…

The millionaire next door

I am known to occasionally throw zingers at my colleagues from time to time. One recent example was my proclamation to a rather bright yet…

Advice and education still a struggle with CAPs

  Benefits Canada presented the key highlights of its 5th annual CAP Member Survey at the CAP Town Hall in Toronto on November 3. This…

Study supports DC plans

Study supports DC plans

  Large retirement plan sponsors in the United States say participation in defined contribution (DC) plans should be mandatory. According to The Path Forward: Designing…

  • By: John Powell
  • November 2, 2010 September 13, 2019
  • 00:00

Jardin de Ville keeps it simple

Jardin de Ville, based in Mirabel, Que., is a leader in the design and marketing of high-end garden furniture. The company manufactures, retails and distributes…

Federal pension changes: a second look at the impact

Federal pension changes: a second look at the impact

  In a recent post by David Blundell and Anne-Marie Lainesse on Buck Exchange the online forum of Buck Consultants, the authors looked at some…

  • By: Staff
  • October 29, 2010 September 13, 2019
  • 00:00

Secure health and wealth in retirement: RBC

  Having a plan and being in control of your finances in retirement is just as important as being in control of your health. A…

Sun Life launches new investment company

Sun Life Financial launched its new investment company Sun Life Global Investments (Canada) Inc. on October 13, which will roll out a new lineup of…

The best kept CAP secrets

Did you know that as much as $75 billion of capital accumulation plan (CAP) assets in Canada are committed, albeit contingently, to life annuities? If…

  • By: Greg Hurst
  • October 8, 2010 September 13, 2019
  • 00:00

Canadians missing out on TFSAs

  Over half of Canadians don’t have a tax-free savings account (TFSA), according to a recent online poll from Angus Reid Public Opinion commissioned by…

Caisse pension fund looks to borrow more

  The Caisse de dépôt et placement du Québec is looking to sell more bonds after completing an $8 billion borrowing program in June, CEO…

Top 50 DC Plans Report shows some things never change

In Herman Hesse’s epic novel Siddhartha, the eponymous protagonist has a revelation one day regarding the river he has grown up beside: “…today he saw…

  • By: Jody White
  • September 24, 2010 September 13, 2019
  • 00:00

Building education into your strategy wins on all levels

The windup of registered pension plans is complicated. Whether a partial or full windup is declared, the plan’s administrator and actuary work with the organization…

Keeping CAPs out of the courts

Over the past 20 years, capital accumulation plans (CAPs), such as defined contribution pension plans and group RRSPs, have continued to grow in popularity. Employers…

Economy showing promise, but expect lower returns

Economy showing promise, but expect lower returns

  There’s plenty of reason to be optimistic, but the reality is that defined contribution (DC) pension plans are in for a few tough years,…

Automatic diversification through lifecycle funds

  Diversification is the best reason to include lifecycle funds in DC plans, said Peter Walsh, an institutional portfolio manager with Pyramis Global Advisors, at…

Major U.S. pension plans scoring big with hedge funds

A sample of eight large U.S. public pension funds shows that managers are making savvy decisions when it comes to investing in hedge funds. These…

Millions need help consolidating assets

  As a financial planner and actuary, William Jack has seen the future. Depending on how the boomers manage and spend what they’ve accumulated the…

Do you know your Monet from your money?

It may be stating the obvious, but people who work in the pension industry tend to have an affinity for things financial, at least one…

401(k) participants have thrived since recession: Vanguard

There are times when a hands-off approach to investing is the correct one, and the past two years seem to be a case in point,…

  • By: Jody White
  • July 26, 2010 September 13, 2019
  • 00:00

Auto features paying dividends: report

Defined contribution (DC) plan members who utilized automatic features such as rebalancing and deferral increase during the recent market downturns realized average account balance increases…

  • By: Jody White
  • July 9, 2010 September 13, 2019
  • 00:00