Viewpoint Blog

Behavioural issues to consider when investing in retirement

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...

Q1 17 Market Review

Canadian Equities Canadian equities were up this quarter, gaining 2.4%. The utilities, consumer discretionary and information technology sectors led the S&P/TSX Composite Index this quarter. The energy and health care sectors were the only components within Canadian equities that had negative returns. The health care sector was the largest detractor to...

Member experience the new pension plan design for younger generations

Our latest expert commentary piece on BenefitsCanada.com: We’re living in a society with a new generation of employees who also happen to be digital natives. Generation-Y and millennials learn, act and understand very differently than the generations that came before them. They take a different look at their careers, the work environment and even retirement...

Target-date funds get you to retirement, but then what?

Check out Ryan Kuruliak's expert commentary about target-date funds in Joel Schlesinger's latest article for The Globe and Mail. Click here to read.

VIEWPOINT: Closet Indexing

The fifth video in our Proteus Viewpoint video series, Closet Indexing: Are You Paying Too Much for your Money Manager? For further information, read the below Q&A. What is something you should consider when deciding to hire an investment manager? When deciding to hire an investment manager, where the asset class has a clearly defined and investable...

Personal Governance. Don’t be a plumber with leaky pipes

There’s an old saying that “plumbers have leaky pipes”. It’s based on the premise that we are all too busy to look after our own needs because we put others first. This scenario can sometimes be a reflection of retirement planning – we get wrapped up in life’s events that we forget to take care of our personal retirement needs. The beginning of the year is...

Fiduciary Landmines that DC Plan Sponsors Must Avoid

Good governance promotes the timely and cost-effective delivery of benefits and promotes the administration of the plan in the best interests of the plan members and beneficiaries. Good governance requires appropriate control mechanisms that encourage good decision making, proper and timely execution, and regular review and assessment. Further, good...

Q4 Market Review

Canadian Equities Canadian equities were up this quarter, gaining 4.5% and returning 21.1% over the year. Financials led the index this quarter, with energy and industrials as the only other two sectors to outperform the index. Telecommunications, consumer staples, technology, materials, consumer discretionary, real estate and utilities all underperformed...

Disproving a Common Fear

A common fear of many soon-to-be retirees is retiring at a “bad time” when the stock market is “down”. This fear is currently a hot topic in Canada, as over the past year falling oil prices have hurt our economy and the Canadian stock market as a whole. However, the fear is unfounded for two reasons. The first is the vast majority of soon-to-be retirees are...

Five Steps to Setting up a DC Pension Plan

Our latest expert commentary piece on BenefitsCanada.com You’ve decided to launch a defined contribution pension plan for your employees, but you don’t know where to begin. What’s the answer? How do you decide what’s right for your organization? Let’s take this step by step. Step 1: Purpose The first step is determining the intention and objectives of the...

Pages