Pension Analysis

Responsible for delivering a secure and adequate retirement income stream to their members, Canada’s big public sector pension plans are also ideally positioned to play a key role in limiting and reversing the impact of climate change. They, and other large institutional investors, can do this by engaging and...

The benefits of a DB pension have been clearly defined, including the obvious one: the provision of reliable, lifetime income that serves as the cornerstone for a comfortable retirement. Numerous studies and reports have also shown the value of a defined benefit pension to employers when it comes to the recruitment...

“Baby boomer women ­– the first generation to approach retirement age under these conditions – find themselves in the workforce well into retirement age and facing poverty rates close to 12 per cent.” – Jennifer Erin Brown  A recent report from the National Institute on Retirement Security (NIRS) concludes...

Saving for retirement can be a risky business, especially if one doesn’t have the security of a traditional pension. Numerous factors from lack of financial knowledge to market upheavals can imperil retirement savings, a stark reality constantly confronting individual investors. When volatility in markets spike,...

A conversation with Richard Shillington is a fairly direct route to an obvious conclusion: for most Canadians, a workplace pension plan is the best solution to generating adequate retirement income. Problem is, most Canadians don’t have one. Data, an area of expertise for Shillington, shows that as many as 65 per...

With a 5.12 per cent return on investments for the year ending Dec. 31, 2015, the Healthcare of Ontario Pension Plan (HOOPP) announced a funded position of 122 per cent, good news for retirees and local economies that benefit from retiree spending. “Even during a year of significant economic uncertainty, HOOPP...

An American study shows that over a 12-year period defined benefit pension plans outperformed defined contribution retirement schemes, in part because of higher fees associated with the latter model. The analysis from the Center for Retirement Research at Boston College uses data from the U.S Department of Labor...