Pensions Capital accumulation plans Page 76

Latest news in Capital accumulation plans

One Step at a Time

One Step at a Time September 01, 2008 | Brooke Smith DC plan sponsors are encouraging members to look at the bigger picture when saving…

  • By: Brooke Smith
  • September 1, 2008 September 13, 2019
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The Waiting Game

With much talk about Canadians having to save for retirement, or Canadians not saving enough for retirement, the tax-free savings account (TFSA)—a new vehicle that…

Retirement 2.0

The retirement industry has been slow to embrace the opportunities of the internet, until now. A new website has brought retirement planning and administration fully…

  • By: Jody White
  • August 21, 2008 September 13, 2019
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Which is Better: DB or DC?

There is always much debate about whether being part of a defined benefit (DB) or defined contribution (DC) pension plan is better. People who wish…

  • August 6, 2008 September 13, 2019
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Challenges of Designing an Effective DC Plan

Designing an effective program is not easy. Experience shows that employee engagement in defined contribution (DC) plans is often low and leads to low participation…

Financial Advice for Plan Members

The average plan member is by no means a financial expert, and the choices offered by many service providers can leave some members bewildered and…

  • By: Jody White
  • July 8, 2008 September 13, 2019
  • 00:00
How the TFSA may change the pension landscape

How the TFSA may change the pension landscape

In its last budget, the federal government introduced the tax-free savings account (TFSA), a completely new tax-sheltered investment vehicle. Although presented more in the context…

Group Tax-Free Savings Accounts on the Way

The tax-free savings account (TFSA) is expected to be a hit when it comes into effect in 2009, but it seems individual Canadians won’t be…

  • By: Jody White
  • July 2, 2008 September 13, 2019
  • 00:00

On Target?

Faced with the age-old problem of plan member disengagement and the heightened risk of employee litigation, plan sponsors are starting to turn to target date…

A Guide to the Glide Path

Glide path philosophy has become a big issue in the U.S., confirms Janet Rabovsky, practice leader, investment consulting, with Watson Wyatt Worldwide. While each target…

90% of Retirement Income is from Investment Returns

For those who believe that investment contributions during the working years constitute the bulk of retirement income, think again. New research suggests that up to…

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

Rise in U.S. Pension Litigation Expected to Continue

The explosion of defined contribution (DC) plan litigation in the United States is likely to continue, but Canada should not expect a similar trend anytime…

  • By: Jody White
  • May 15, 2008 September 13, 2019
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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…

  • By: Jody White
  • May 8, 2008 September 13, 2019
  • 00:00

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,…

  • By: Jody White
  • May 7, 2008 September 13, 2019
  • 00:00

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)…

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…

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…

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…