Viewpoint Blog

Plan Members: Drowning in Investment Options

Our fourth video in our Proteus Viewpoint video series, Plan Members: Drowning in Investment Options. For further information, read the below Q&A. As a defined contributions (DC) plan sponsor, how do you know if you have the right investment options available to members? First off, ensuring your plan offers appropriate investment options should be a...

At what age should I take my CPP/QPP?

The normal age for retirement under the Canada Pension Plan (CPP) and Quebec Pension Plan (QPP) is 65. This is when you are eligible to receive the full pension you qualify for based on your years of participation and level of contribution into the plan. You are entitled to begin receiving your pension as early as 60 and as late as 70, however, the benefits...

CPP Improvements on the Horizon

The Government of Canada has agreed to enhance the Canada Pension Plan (CPP). The enhancements to the CPP are targeted to be phased in over seven years, starting in 2019. Some may ask the question: “with the CPP increasing, do I need to save as much for retirement?” The answer is yes. It is important to continue saving just as much as before, especially due...

FSCO Examination: Go Beyond Requirements

Pension governance is an ongoing process that goes well beyond investment success. It’s about communicating, administering efficiently and documenting your actions. The Financial Services Commission of Ontario (FSCO) is responsible for regulating pension plans registered in Ontario. FSCO periodically conducts examinations to review pension plans’ compliance...

Don’t take ESG requirement as an endorsement to invest with a moral compass

Our newest expert commentary piece, as seen on BenefitsCanada.com: Environmental, social and governance are words you might have heard a lot about lately. Ontario legislators now require pension plan administrators to disclose if and how they’re incorporating them into their investment decision-making process. Due to previous adoption, foundations,...

ESG: A Short Acronym for a BIG Subject

There is no shortage of acronyms in any industry, including the world of pensions and investments. One of the many acronyms that is commonly talked about, in terms of investments, is a short acronym for a big subject – ESG, which stands for environmental, social and governance. ESG is an investment consideration that has existed for decades but has gathered...

Reading List: Financial Literacy Month

What are you reading this Financial Literacy Month? Here are a few of our favourite personal finance books, by Canadian authors, to help you better understand your savings, take charge of your finances and understand everything you need to know about your financial responsibilities. Stop Overthinking Your Money! by Preet Banerjee Banerjee explains that you...

When the Regulator Comes Knocking: Are you Ready?

The Financial Services Commission of Ontario (FSCO) is responsible for regulating pensions registered in Ontario. FSCO periodically conducts examinations to review pension plans’ compliance with the requirements of the Pension Benefits Act (Ontario) and associated regulations. Proteus is a pension consultant providing governance and investment consulting...

Financial Literacy Month

We have joined the Financial Literacy Month (FLM) conversation to spread the word and raise awareness about the importance of financial literacy. At Proteus we are all about educating and ensuring plan sponsors and members have a meaningful experience when it comes to understanding their pension plan and investments. We love sharing our knowledge with our...

Q3 Market Review

Canadian Equities - Canadian equities were up this quarter, gaining 5.45%. - The health care, technology, consumer staples and consumer discretionary sectors all had positive returns, higher than the overall index this quarter after having negative returns the previous quarter. - The industrials, energy and financials sectors all contributed positively to...

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