Pensions Capital accumulation plans Page 79

Latest news in Capital accumulation plans

Overcoming Plan Member Inertia

Spaced repetition erodes resistance. I am not certain Sir Isaac Newton was thinking of capital accumulation plan (CAP) members when he came up with his…

Managing Longevity Risk

The case for lifecycle investing. Many Canadians are likely due for a jarring wake-up call come retirement. A closer look at the retirement equation and…

Lifecycle Investing in the DC Plan

The active versus passive debate. The passive versus active debate has raged for years in defined benefit (DB) circles, and now the growing influence of…

Investment Manager’s Perspective

Opportunities and pitfalls. The first part of the presentation focused on the observation that plan sponsors have a tendency to overestimate the importance of short-term…

  • By: Alan Daxner
  • April 1, 2008 September 13, 2019
  • 00:00

Dynamic DC Plan Design

How DC plan design can help ensure benefits adequacy for members. Much of the focus on enabling defined contribution (DC) plan members to save enough…

DC2018

A glimpse into the future of Canada’s defined contribution pension plans. Over the years, Hollywood has put forward many versions of what the future might…

Bridging the Great Divide

Helping Canadians see and shape their retirement reality. Despite the excellent work that’s been done to educate Canadian plan members about retirement and retirement planning,…

  • By: Barry Noble
  • April 1, 2008 September 13, 2019
  • 00:00

Advice

Is it an option? Some people think that advice is often given, rarely asked for and seldom used. When it comes to investment advice, group…

Addressing Longevity Risk

The retirement spending challenge. Roughly a generation ago, a number of economic and business trends began shifting retirement savings risk from institutions and employers to…

DC2018: A Vision for the Future

  Delegates at the DC Plan Summit were assigned to teams and instructed to come up with a vision for DC Plans in the year…

  • April 1, 2008 September 13, 2019
  • 00:00

Getting the Investment Message Across

When do you want to retire? What level of income will you need? How do you feel toward investment risk? How do you select from…

Unwanted Advice

Most DC plan members aren’t jumping at the opportunity to get financial or investment advice—even if their employers absorb the costs. You’ve probably heard the…

Applying LDI in CAPs

Plan sponsors should focus on managing members’ expectations, not just on benefits adequacy. Whether liability driven investing (LDI) is a new idea or an old…

Some Workers Say No to Employer-Matched Savings

Nearly 40% of Canadians have access to employer-matched savings programs, but one out of five of them aren’t participating in such programs, according to a…

Swimming with the sharks

Over the years, I have given hundreds of retirement planning seminars, for all types of employers—in multiple industries—with defined benefit (DB) and defined contribution (DC)…

Surviving Retirement

A plan sponsor’s guide to help members navigate the DC wilderness when transitioning to retirement. Plan sponsors and recordkeepers often focus on helping defined contribution…

Shopping for Annuities

Buying an annuity can be a confusing endeavour for plan members. There are two basic types of annuities—term-certain annuities and life annuities—but there are also…

Protection for DC Sponsors Needed: Study

As pension-related litigation increases, employers who offer defined contribution (DC) plans and group RRSPs require safe harbours, or legal protection or the availability of these…

Automatic Enrollment Plans Get New Hires to Join, But Not to Save

Recent research confirms that automatic enrollment for new hires can improve initial participation rates, but will they save enough for retirement? A study conducted by…

Employees That Invest, Tend to Spend Less: Study

High personal debt is affecting employees’ ability to save for retirement, according to a study by Fidelity Investments. The study found that one-third of American…

Hybrid Plans—Employee Communications

This is the fifth and final article in a series that has revisited the design of hybrid pension plans—plans that deliver the better of a…

Acquiring Minds

There’s been a significant increase in merger and acquisition activity in Canada over the past few years. What is the impact on pension and benefits…

Sun Life Sells U.S. Plan Administration Business

Sun Life Financial has agreed to sell its 401(k)plan administration business in the United States to The Hartford Financial Services Group for an undisclosed amount.…

Lifecycle funds: Part II

• Part two of a two-part series • In part one, Jean-Daniel took a look at lifecycle (a.k.a. “target date”) funds from the perspective of…

Industrial Alliance Launches Retirement Planning Tool

Industrial Alliance Insurance and Financial Services Inc. has launched a new financial planning tool for members of its group retirement savings plans. The Your Retirement…