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Keyword: Decumulation

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Purpose Investments Inc. is introducing a new longevity pension fund, which invests 50 per cent in equities and 50 per cent in fixed income. It can be incorporated into a defined contribution plan to provide plan members with an in-plan decumulation option, says Pat Leo, vice-president of retirement solutions at Purpose Investments, noting investors can redeem […]

While decumulation is a critical aspect of retirement, in my opinion, it doesn’t attract enough attention. Decumulation is the process of drawing down a capital accumulation plan’s pension assets to generate income, which many employees who are part of a CAP may not fully understand. CAP and defined benefit accounts have similar objectives: accumulation of […]

Is dynamic risk management the key to decumulation?

Many defined contribution pension plans contain a built-in contradiction. During accumulation, they offer an array of investment choices — sometimes too many. In decumulation, by contrast, the choices are very limited — perhaps to a conservative balanced fund and an annuity. Many plan sponsors don’t pay enough attention to decumulation because they’re focused on removing […]

Announcing the winners of the Pension Leadership Awards

Pension investments are a key component of ensuring secure benefits for plan members upon their retirement. To celebrate the plan sponsors and pension investors who work hard to ensure strong investment outcomes, the first-ever Pension Leadership Awards recognized winners across several categories. Congratulations to all the winners. You can view highlights about the winners below: […]

  • By: Staff
  • December 3, 2020 January 19, 2021
  • 13:12
Learn more about the DC Investment Innovation Award finalists

Pension investments are a key component of ensuring secure benefits for plan members upon their retirement. To celebrate the plan sponsors and pension investors who work hard to ensure strong investment outcomes, the first-ever Pension Leadership Awards will recognize winners across several categories. The Defined Contribution Investment Innovation Award will go to a DC pension […]

  • By: Staff
  • November 16, 2020 January 19, 2021
  • 09:08
Editorial: Does legislation favour DB pensions over DC plans?

Looking back at all of the pension legislation stories we’ve written up during the coronavirus pandemic, I’ve noticed federal and provincial governments definitely favoured defined benefit plans over defined contribution plans in their various temporary regulations. In the first month of the pandemic, the feds halted solvency special payments for federally regulated DB plans until […]

2020 Top 50 DC Plans Report: Member behaviour under microscope amid pandemic

Defined contribution pensions are taking a bumpy ride in the coronavirus pandemic, with plan sponsors and their members facing volatile stock markets, financial uncertainty and interruptions to business as usual. Whether related to plan design, investment options, decumulation or overall financial well-being and education, what issues are taking the spotlight this year and what changes […]

Canada maintains No. 8 global ranking for retiree well-being: report

For the second year in a row, Canada ranked No. 8 among developed nations for retiree well-being, according to Natixis Investment Managers’ annual global retirement index. The index, which provides an overview of the relative well-being and financial security of retirees in 44 countries, examined 18 factors across four categories: finances in retirement, material well-being, […]

  • October 1, 2020 January 19, 2021
  • 08:51
Tips for helping staff piece together their retirement income puzzle

Retirement income can be sliced into three broad categories: what an individual receives from their employer, what they receive from the government and everything else. While plan sponsors are naturally most concerned with what they provide for plan members, including all forms of income in the conversation is integral to properly planning for retirement, says […]

A look at the investment variables of variable benefits

Since retirees and active plan members are fundamentally different, should their investment options reflect that distinction? That’s the question confronting defined contribution plan sponsors as they explore the relatively new world of in-plan decumulation. As of January, when the Ontario government passed a series of new regulations under the Pension Benefits Act, the majority of […]