Gerry Wahl – Benefits Canada.com https://uat-cumulus.benefitscanada.com Canada's most influential pension and benefits publication for decision-makers Thu, 16 Jan 2025 20:41:36 +0000 en-US hourly 1 https://wordpress.org/?v=4.9.8 Why decumulation is a challenge for CAPs           https://uat-cumulus.benefitscanada.com/news/cir-news-news/expert-panel-why-decumulation-is-a-challenge-for-caps/ Tue, 06 Apr 2021 16:00:24 +0000 https://www.benefitscanada.com/?p=96234 While decumulation is a critical aspect of retirement, in my opinion, it doesn’t attract enough attention. Decumulation is the process of drawing down a capital accumulation plan’s pension assets to generate income, which many employees who are part of a CAP may not fully understand. CAP and defined benefit accounts have similar objectives: accumulation of […]

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]]> Now is the time to fix capital accumulation plans https://uat-cumulus.benefitscanada.com/pensions/cap/now-is-the-time-to-fix-capital-accumulation-plans/ Thu, 02 Jul 2020 04:17:22 +0000 https://cumulus.benefitscanada.com/uncategorized/now-is-the-time-to-fix-capital-accumulation-plans/ The collapse in the equity markets has damaged capital accumulation plan retirement accounts. Governments need to level the playing field between defined benefit plans and CAPs, which include defined contribution plans, registered retirement savings plans and pooled registered pension plans, to assist capital accumulation plan members in rebuilding their retirement accounts. If investments are not […]

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]]> Sounding Board: Investment risk considerations for CAP sponsors https://uat-cumulus.benefitscanada.com/canadian-investment-review/dc-investments/sounding-board-investment-risk-considerations-for-cap-sponsors/ Wed, 06 Feb 2019 05:20:06 +0000 https://cumulus.benefitscanada.com/uncategorized/sounding-board-investment-risk-considerations-for-cap-sponsors/ No risk, no reward. Like many things in life, investing inertia and fear are common, but they come with a cost. In the investment world, risk has a specific meaning: the probability of losses relative to the expected return on an investment. The key in this definition are the words ‘expected return.’ When it comes […]

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]]> Understanding CAP management fees https://uat-cumulus.benefitscanada.com/expertpanel_/gerry-wahl/understanding-cap-management-fees/ Mon, 29 Oct 2018 03:30:14 +0000 https://cumulus.benefitscanada.com/uncategorized/understanding-cap-management-fees/ Why fee reviews are an important step for plan sponsors

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]]> Understanding CPP’s shortcomings https://uat-cumulus.benefitscanada.com/expertpanel_/gerry-wahl/understanding-cpps-shortcomings/ Thu, 18 Oct 2018 01:16:36 +0000 https://cumulus.benefitscanada.com/uncategorized/understanding-cpps-shortcomings/ How the benefit shrinks with age and what that means for retirement security

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]]> Fees and fiduciary risk https://uat-cumulus.benefitscanada.com/expertpanel_/gerry-wahl/fees-and-fiduciary-risk/ Tue, 18 Sep 2018 07:36:05 +0000 https://cumulus.benefitscanada.com/uncategorized/fees-and-fiduciary-risk/ Sponsors need to understand their responsibilities to minimize potential litigation.

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]]> The Trouble With Fee Disclosure in DC Plans https://uat-cumulus.benefitscanada.com/expertpanel_/gerry-wahl/the-trouble-with-fee-disclosure-in-dc-plans/ Mon, 16 Apr 2018 12:34:03 +0000 https://cumulus.benefitscanada.com/uncategorized/the-trouble-with-fee-disclosure-in-dc-plans/ Plan members are in the dark when it comes to costs.

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]]> Why Solvency Reform Won’t Make It Better https://uat-cumulus.benefitscanada.com/expertpanel_/gerry-wahl/why-solvency-reform-wont-make-it-better/ Thu, 22 Dec 2016 03:28:07 +0000 https://cumulus.benefitscanada.com/uncategorized/why-solvency-reform-wont-make-it-better/ More reforms just a Band-Aid solution for troubled DB plans.

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]]> Are You Ready for CAP Decumulation? https://uat-cumulus.benefitscanada.com/expertpanel_/gerry-wahl/are-you-ready-for-cap-decumulation/ Wed, 20 Jan 2016 11:58:51 +0000 https://cumulus.benefitscanada.com/uncategorized/are-you-ready-for-cap-decumulation/ Plan sponsors need to prepare - and know their obligations to members.

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]]> Education Risk in CAP Plans https://uat-cumulus.benefitscanada.com/expertpanel_/gerry-wahl/education-risk-in-cap-plans/ Wed, 24 Jun 2015 04:21:00 +0000 https://cumulus.benefitscanada.com/uncategorized/education-risk-in-cap-plans/ Education requirements are a litigation risk. A KPI approach can help.

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