Viewpoint Blog

Ontario Pension Funding Reform

Background In the 2015 Ontario Economic Outlook and Fiscal Review the government announced it planned to extend temporary solvency relief similar to measures introduced in 2009 and 2012, as well as review the province’s current solvency funding framework. Temporary Solvency Relief Effective July 1, 2016, temporary solvency relief has been extended for...

Second Quarter 2016 Market Review

Canadian equities were up this quarter, gaining 5.1%. Commodity related sectors were strong performers with the materials and energy sectors benefiting from higher gold, silver and oil prices respectively. The utilities sector also contributed positively to this quarter’s performance. The health care, technology, consumer staples and consumer discretionary...

How Should I Manage My Savings in Retirement?

Your retirement income will likely come from three sources: government programs, personal savings, and your employer’s retirement plan. The government programs consist of the Canada Pension Plan and Old Age Security. The assets you have accumulated under an employer retirement plan can be used to purchase an annuity, set up a managed income strategy or some...

The Volatility of Correlation and Its Impact on Portfolio Design

Since the development of modern portfolio theory, many institutional investors have used mean-variance optimization techniques to help identify their appropriate asset mix. This quantitative approach allows an investor to assess various allocations by considering the trade off between risk and return, and the relationship between the assets. The inputs to...

Enhanced Contributions and Benefits to the Canada Pension Plan

Canada’s provincial finance ministers kicked off the first day of summer by reaching an agreement in principle with the federal government that would enhance contributions and benefits to the Canada Pension Plan (CPP). Quebec and Manitoba were the only provinces not to agree. The agreement would see CPP benefits increased from current replacement income...

Unpredictable Change Over Time

Volatility refers to the degree of unpredictable change over time. To an investor, this generally means the potential range of returns around an expected or average return. Because volatility looks at unpredictable change, it is used to measure risk. The more volatile the price of the asset, the riskier the asset will be to invest in. Taken one step further...

Compliance: Avoid Pension Pain

We hope you liked our first video in our Proteus Viewpoint video series, Compliance: Avoid Pension Pain. For further information on compliance, read on! What does compliance mean when it comes to pension plans? When we talk about pension plan compliance with plan sponsors, it often comes down to a few things: 1. Identifying and recording what the plan needs...

Pension Plan Portability

Pension plan portability
Employer sponsored retirement savings plans range from defined contribution (DC) plans, to deferred profit sharing plans (DPSPs), to registered retirement savings plans (RRSPs) and tax free savings accounts (TFSAs). Over the course of your career, you may be a participant in one or more of these programs. You may even have benefits under a program with a...

Understanding Investment Risks & Volatility

There are four different types of risk to consider when making your investment selection: Volatility: Volatility is the risk we normally associate with stocks or equity type funds because the price of these investments tends to fluctuate according to market conditions. Despite these fluctuations, markets have historically always rebounded. It is important...

Are Your Investments Traveling the Globe?

When it comes to managing investments, diversification is key. Diversification can be achieved through a single investment fund - such as a balanced or target date fund – or through portfolio construction. Within asset classes, it’s important to diversify equities geographically. Exposure to equities in different economies, such as Canada, the US, Europe,...

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