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Target Date Funds 3.0

Shortly after takeoff from Heathrow, the pilot’s voice crackles through the cabin. “Flying at an altitude of 35,000 feet, our time to New York City…

More guidance required for DC plan members

Employers that provide defined contribution (DC) pension plans to their staff are being urged to provide more guidance by one of the leading consultancies in…

  • By: Steven Lamb
  • September 8, 2009 September 13, 2019
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OSFI disclosure obligations released

The Office of the Superintendent of Financial Institutions (OSFI) has issued a draft guideline that sets out disclosure obligations for defined contribution (DC) pension plans.…

  • By: Jody White
  • September 8, 2009 September 13, 2019
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An alternative to target date funds

Target date funds (TDFs) bring many benefits to defined contribution (DC) plan sponsors and members. They are not perfect, however, as some realized during the…

Top 50 DC Plans Report: Back to Basics

The pension industry has had its share of headlines this year: General Motors, Bernard Madoff and Earl Jones, Canada’s own Ponzi king, come to mind.…

Raising DC

Raising DC

The defined contribution (DC) market in Canada has some growing up to do when compared with markets in the U.S. and the U.K. In fact,…

Making it Count

In examining the origins of the recent economic crisis, much of the finger pointing has been directed at the government. Many have criticized the absence…

Employers pessimistic on employees’ retirement preparation

New data from auditing firm Deloitte suggests U.S. employers have serious concerns about their employees’ comprehension of 401 (k) fund options and preparations for retirement.…

  • By: Jody White
  • August 19, 2009 September 13, 2019
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The politics of (DC) pensions

Defined contribution pension coverage for the masses has become a very hot political topic in recent months. It has occupied the minds of federal and…

  • By: Greg Hurst
  • August 17, 2009 September 13, 2019
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Live and Earn

Plant closures, facility shutdowns, bankruptcies and layoffs are all words that generate anxiety. Unfortunately, they are a reality for hundreds of Canadians each day. To…

Know your plan member

Defined contribution (DC) plan members continue to flummox plan sponsors and trustees with their behaviour. When presented with a range of choices such as investment…

  • By: Jody White
  • July 29, 2009 September 13, 2019
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U.K. regulator promotes engagement for DC plan sponsors

The U.K.’s Pensions Regulator is reaching out to trustees and employers in an effort to enable informed member choices at retirement and improve the quality…

  • By: Jody White
  • July 28, 2009 September 13, 2019
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The power of context

That 8% return on your RRSP that you complained about a few years ago is probably looking pretty good right about now. Eighty-cents a litre?…

Towards a more socialistic DC pension system?

The past year has seen many new ideas foster around how to improve defined contribution (DC)-type retirement savings arrangements, many involving governments playing a much…

What’s the Catch?

The past few years have seen considerable product development initiatives aimed at helping capital accumulation plan (CAP) sponsors choose appropriate investment vehicles to offer their…

Choice words on CAP investment options

Two colleagues have recently asked for my input on two CAP investment questions that I believe to be related. The first question involved an “investment…

  • By: Greg Hurst
  • May 26, 2009 September 13, 2019
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Safe options require close attention

Tough economic conditions tend to boost investor conservatism and capital accumulation plan (CAP) members are no different, assuming they bother to revisit their investment mix.…

Myth Busters

DC plan members aren’t the savvy investors they think they are—and plan sponsors may suffer the consequences. Three myths continue to lurk in the defined…

Reducing costs in DC arrangements

These unprecedented times have many organizations looking at various ways to reduce their operating costs. Are there any potential savings related to DC (defined contribution)…

401(k) Hiatus Invites Regulatory Risk

Further data on the growing incidence of 401(k) and defined contribution (DC) plan contribution reduction in the U.S. reveals that employers who choose this path…

Suspending 401(k) Contributions can Save Millions

An increasing number of companies are saving millions of dollars by suspending their employer 401(k) match in response to cost pressures, according to Hewitt Associates.…

  • By: Jody White
  • April 14, 2009 September 13, 2019
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Guaranteed Investment Accounts in CAPs: Pooled or Individual?

A resurgence of demand for investment options featuring guarantees is arising from the recent wreckage of the retirement portfolios of members of capital accumulation plans.…

  • By: Greg Hurst
  • April 9, 2009 September 13, 2019
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Plan Member Engagement

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 Retirement Investment Continuum

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…

Member Engagement: It’s Not Just About Making Investment Choices Anymore

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…

  • By: Sue Reibel
  • April 1, 2009 September 13, 2019
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