Pensions Capital accumulation plans Page 76

Latest news in Capital accumulation plans

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
  • 00:00

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
  • 00:00

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
  • 00:00

Equity Insights and Market Bubbles

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…

  • By: Alan Daxner
  • April 1, 2009 September 13, 2019
  • 00:00
Exploring opportunities for the new TFSA

Exploring opportunities for the new TFSA

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…

TDFs to Go

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…

2009 DC Plan Summit Report: End Transmission

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…

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
  • 00:00

Managing Risk in Volatile Times

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…

Investment Options

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…

  • By: Duane Green
  • April 1, 2009 September 13, 2019
  • 00:00

Diversification Deceit

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…

Managing a changing workforce

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.…

The Five Most Common Mistakes Surrounding TDFs

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…

A Smooth Road to Retirement

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…

The Auto Route

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…

Who’s Offering Group TFSAs?

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…

Group TFSAs: A Tentative Start

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…

Between a Rock and a Hard Place

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…

Whose Job is it Anyway?

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)…