Plans sponsors: if you haven’t comprehensively reviewed your statements of investment policies and procedures (SIPP) in a while, it may be time to refresh the document to ensure it correctly reflects the details of the plan and is in line with current regulations. For your next review, you should consider six important items. Read all about them in Michael...
The seventh video in our Proteus Viewpoint video series, Benchmarking: Are Your Investments Performing Well? Watch the video and read the below Q&A. When it comes to investing, what is a common mistake people make? Often, the benchmark used to evaluate the performance of the funds is not appropriate. For fiduciaries, benchmarks play an important role in...
Lewis Powell's recent article on Canadian Investment Review about how the index reflects today’s disconnected financial markets. Read the article here.
With the hike in interest rates, are you questioning whether you should take action and change your asset mix? The increased rates may not seem like much right now, but the upward direction could be here for some time. The cost of paying for debt will rise, along with the returns you see for both new bonds issued and Guaranteed Investment Certificates (GICs...
Canadian Equities Canadian equities fell this quarter, returning -1.64%. The health care, industrials, consumer discretionary and utilities sectors led the S&P/TSX Composite Index this quarter. The energy, materials and financials sectors were the only components within Canadian equities that generated negative returns. International Equities World...
A: No, you’re never too young to be thinking about retirement, but the key is to stop thinking about it and instead, start planning. Retirement is an important stage in life and one that requires decades of planning. Sure, you’re saving and preparing for retirement as a participating member in your workplace pension plan – but it’s important to further save...
Reviewing your investment mix periodically to understand what’s in your portfolio is an important step in personal governance. Your retirement income program likely includes one or more of the following: target date funds, asset allocation funds and/or balanced funds. When joining a retirement program, these are often presented as “set it and forget it”...
The sixth video in our Proteus Viewpoint video series, Rebalancing: Don't Let the Market Dictate Your Asset Mix For further information, read the below Q&A. What is rebalancing? Rebalancing is the process of returning the overall investment allocation in an asset mix back to the pre-specified target as it deviates with market fluctuations. For example,...
Interesting research by the U.S. National Institute on Aging and the Social Security Administration found the actual amount people spend in retirement is only loosely related to retirement savings. The gap in wealth of different retirees was not found to reflect proportionate differences in spending and it was hypothesized people have a difficult time...
