Articles

Liability Driven Investing (Part One): Why LDI Matters, Especially Today

Published By: | February 7, 2019

In Part One of a new series titled Manage Complexity, Deliver Clarity, François Hélou, CFA, Director, Head of Balance Sheet Solutions Sales at BMO Global Asset Management, shares his expertise on Liability Driven Investing (LDI). He explains how adopting a risk-management approach to investments both enhances the long-term sustainability of Canadian Defined Benefit pension plans (“DB plans”) and mitigates the impact that  declining long-term nominal rates and equity market volatility have on their funding.

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Advisors Forum. Group Retirement Savings Roundtable

Published By: | January 30, 2019

Few would argue that stress can be the enemy of productivity in the workplace—yet we may underestimate the impact of financial stress. “There is something to be said about the impact of financial wellness on productivity, which ultimately affects profitability.

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Pension Plans Facing a Market Downturn in the Last Quarter of 2018

Published By: | January 24, 2019

A funded ratio shows how a plan’s assets compare to the actuarial assessment of the value of the liabilities. In short, it is the “value of assets” to the “actuarial value of liabilities”. Actuaries generally measure the liabilities in two ways, ‘going concern’ and ‘solvency’. We have focused on going concern as it is the measure most applicable to our plans.

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Jack Bogle

Authored By: Benefits And Pensions Monitor Staff | Date: January 21, 2019

John Clifton ‘Jack’ Bogle, founder of The Vanguard Group who died last Wednesday at age 89 had legendary status in the American investment community

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Move Over 2018

Authored By: Andrew Pease | Date: January 17, 2019

2018 was action packed and volatile with global equity markets, geopolitics, and populism dominating the year. The result was that almost all asset classes, with the exceptions of cash and government bonds, posted negative returns. A lot of the same themes seem likely to play out in 2019. A significant difference, however, is that the year has begun with widespread investor pessimism, in contrast to the prevailing optimism at the beginning of 2018.

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2019: A Year For Better Or Worse?

Authored By: Calum Mackenzie | Date: January 16, 2019

It is often like that. Markets like to swing from extremes. 2018 saw a huge psychological reversal from the previous year (and for that matter, most of the previous half decade) – ‘let us look to the bright side … turned into ‘No, let us look to the dark side instead.’

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Shifting Demographics, Emerging Opportunities: Designing Programs For The Workforce Of Today And Tomorrow

Authored By: Joseph De Dominicis | Date: January 9, 2019

Today, we are seeing four generations of employees sharing office space, challenging employers to develop ways to communicate with and support all of them.

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CPPIB Launches Information Campaign

Authored By: CPP Investment Board | Date: January 4, 2019

The CPP Investment Board has introduced its first national information campaign designed to help engage, educate, and prepare Canadians about their financial future.
‘Investing Today for Your Tomorrow’ helps demystify a number of misconceptions about the Canada Pension Plan (CPP) and provides information and context to the many questions Canadians have.

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The More Someone Earns, The More They Are At Risk

Authored By: Chris Carr | Date: December 13, 2018

Whether you’re a professional athlete, a musician touring to support your chart-topping album, an IT consultant who regularly travels to war-torn countries or a high-level executive, having disability insurance in place is a wise thing to do.

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Cannabis: What It Means For Ontario Employers

Authored By: Randy Bauslaugh | Date: December 12, 2018

Recreational cannabis consumption is now lawful; however legalization is still subject to different provincial standards as the provinces and territories are responsible for oversight in the distribution and sale of cannabis. In addition, the provinces and territories are able to restrict where cannabis may be consumed. And, of course, the use and availability of Cannabis has implications under provincial health and safety legislation as well as the duty to accommodate on a case-by-case basis when dealing with medicinal cannabis or substance dependency that may constitute a disability under provincial human rights legislation.

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