DC investing – Benefits Canada.com

401(k)s hit records as workers sock away more, stocks jump

mschmit — Fri, 14 Feb 2020 03:58:59 +0000

The average 401(k) balance rose 17 per cent last year to $112,300 from the end of 2018, according to a review of 17.3 million accounts by Fidelity Investments. The average individual retirement account, or IRA, balance rose the same percentage to $115,400. Those figures are averages, not medians, and the typical 401(k) might be closer […]

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The role of dividend strategies in equity investing

mschmit — Mon, 16 Sep 2019 06:57:50 +0000

Investors seeking regular income are limited because traditional sources aren’t producing the results they used, says Dave Makarchuk, partner and Western Canada wealth business leader at Mercer, noting bond yields are really low and coupons are low. “And so dividends can be an attractive option for those who are seeking regular cash flow,” he says. […]

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Building better target-date fund glide paths

mschmit — Wed, 14 Aug 2019 06:35:30 +0000

While many glide paths are based on age, is there a case for adjusting these based on account balance fluctuations or on a plan member’s risk aversion? When it comes to optimal outcomes for members, considering risk aversion may be the most important factor, according to a new paper out of the Australian National University […]

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