DC investments – Benefits Canada.com https://www.benefitscanada.com Canada's most influential pension and benefits publication for decision-makers Wed, 20 Nov 2024 21:09:39 +0000 en-US hourly 1 https://wordpress.org/?v=4.9.8 2024 DC Investment Forum: Three tips for picking the right target-date fund https://www.benefitscanada.com/events/conference-coverage/2024-dc-investment-forum-three-tips-for-picking-the-right-target-date-fund/ Wed, 06 Nov 2024 12:57:28 +0000 https://www.benefitscanada.com/?p=162019 With defined contribution pension plan assets expected to double in the near term and members now using target-date funds at “unprecedented” rates, plan sponsors need to determine which TDFs are the best for their employee population, said Wyatt Lee, portfolio manager and head of target-date strategies for T. Rowe Price Inc., during Benefits Canada’s 2024 […]

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]]> How AI is impacting DC plan members’ financial decisions https://www.benefitscanada.com/events/conference-coverage/how-ai-is-impacting-dc-plan-members-financial-decisions/ Fri, 10 May 2024 12:00:11 +0000 https://www.benefitscanada.com/?p=154741 While artificial intelligence may one day be able to remove human bias from financial decision-making, that development remains far in the future, said Lisa Kramer, a professor of finance at the University of Toronto’s Rotman School of Management, during the keynote session at Benefits Canada’s 2024 Defined Contribution Plan Summit in February. “Human nature is […]

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]]> Back to basics on investment glide paths https://www.benefitscanada.com/archives_/benefits-canada-archive/back-to-basics-on-investment-glide-paths/ Fri, 12 Apr 2024 12:53:46 +0000 https://www.benefitscanada.com/?p=154085 Simply put, a glide path is a calculation designed to support an employee’s desired retirement timeline through investments in a target-date fund. When an employee first joins a defined contribution pension plan with a target-date fund, they’re exposed to capital appreciation assets that offer the most attractive risk-adjusted returns in the wealth accumulation phase, typically […]

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]]> Head to head: Is it time for DC plan sponsors to quit the balanced fund? https://www.benefitscanada.com/archives_/benefits-canada-archive/head-to-head-is-it-time-for-dc-plan-sponsors-to-quit-the-balanced-fund/ Fri, 15 Dec 2023 13:59:57 +0000 https://www.benefitscanada.com/?p=148443 One defined contribution plan sponsor sings the praises of the traditional balanced fund, while another outlines a different option that better matches risk levels according to plan members’ life stages. Rob Jackett, senior director of finance and administration at Canadian Baptist Ministries Balanced funds are still relevant today for employer-sponsored savings plans. It’s important for employers […]

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]]> Gap persists between DC plan sponsor, member views on retirement readiness: survey https://www.benefitscanada.com/pensions/retirement/gap-persists-between-dc-plan-sponsor-member-views-on-retirement-readiness-survey/ Mon, 11 Dec 2023 20:00:03 +0000 https://www.benefitscanada.com/?p=148686 While the majority (87 per cent) of defined contribution pension plan sponsors feel their members are somewhat or very prepared for retirement, only 63 per cent of members feel the same way, according to a new survey by Voya Investment Management. The survey, which polled 305 U.S. DC plan sponsors, 205 plan specialists and 500 […]

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]]> Coverage of the 2023 DC Investment Conference https://www.benefitscanada.com/events/conference-coverage/coverage-of-the-2023-dc-investment-conference/ Mon, 06 Nov 2023 13:00:39 +0000 https://www.benefitscanada.com/?p=145288 Since the onset of the coronavirus pandemic three years ago, the global economy has faced a bumpy ride, led by the lingering public health crisis, rising geopolitical tensions and high inflation. The 2023 Defined Contribution Investment Forum, which was held on Sept. 29 at the Ritz-Carlton Hotel in Toronto, shared thought leadership on the various […]

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]]> 2023 DC Investment Forum: The importance of strategic asset allocation in target-date funds https://www.benefitscanada.com/events/conference-coverage/2023-dc-investment-forum-understanding-strategic-asset-allocation-in-target-date-funds/ Mon, 06 Nov 2023 12:58:17 +0000 https://www.benefitscanada.com/?p=146052 Since defined contribution plan members will experience a wide variety of market conditions over the course of their working lives and into retirement, it’s important for the strategic asset allocation of target-date funds to be diversified and able to stand the test of time, according to Jon Knowles, institutional portfolio manager for global asset allocation at […]

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]]> 2023 DC Investment Forum: How real assets in DC plans can give members a ‘much smoother ride’ https://www.benefitscanada.com/events/conference-coverage/2023-dc-investment-forum-a-closer-look-at-the-value-of-real-assets-in-dc-plans/ Mon, 06 Nov 2023 12:57:16 +0000 https://www.benefitscanada.com/?p=146056 In volatile market environments, adding real assets to defined contribution pension plan portfolios has the ability to provide diversification benefits and give members a “much smoother ride” to retirement, according to Andrew Knox, managing director of the Franklin global real asset fund at Franklin Templeton Investments. Speaking during Benefits Canada’s 2023 DC Investment Forum in […]

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]]> 2023 DC Investment Forum: Why DC plan sponsors should consider a distinct credit exposure https://www.benefitscanada.com/events/conference-coverage/2023-dc-investment-forum-should-dc-plan-sponsors-consider-a-distinct-credit-exposure/ Mon, 06 Nov 2023 12:56:52 +0000 https://www.benefitscanada.com/?p=146059 While fixed income has long had the reputation of being the conservative and stable supporting partner in the traditional balanced portfolio, unbundling fixed income into its sub-components presents opportunities for enhanced risk-adjusted returns, said Aaron Young, vice-president and client portfolio manager at CIBC Asset Management. When investors buy the FTSE universe bond index or even […]

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]]> 2023 DC Investment Forum: How longevity risk pooling can help DC plan members meet their retirement income needs https://www.benefitscanada.com/events/conference-coverage/2023-dc-investment-forum-how-longevity-risk-pooling-can-help-dc-plan-members-meet-their-retirement-income-needs/ Mon, 06 Nov 2023 12:55:57 +0000 https://www.benefitscanada.com/?p=146062 Larry, a hypothetical defined contribution plan member, is facing a difficult calculus as he prepares to retire. Between his personal and DC plan savings, he’s accumulated $620,000 in savings for his retirement and is also expecting roughly $1,000 a month from the Canada Pension Plan and $650 in old-age security benefits. He has to determine […]

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