Viewpoint Blog

Investment Governance: Know What You Have

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”...

VIEWPOINT: Why Bother Rebalancing?

Why bother rebalancing?
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,...

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...

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