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…
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…
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…
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…
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…
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…
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…
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…
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)…
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…
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…
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…
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…
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…
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…
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…