Dynamic DC : Keeping Your Options Open

 

Cat Food in Retirement

(APRIL 2013)  Retirees face a tradeoff between two goals, payment certainty and liquidity. Annuities address the former at a cost of the latter. This article lays out an investment approach that aspires to achieve both goals. The heart of this approach is a dynamic investment strategy aimed at sustaining a steady income stream while also minimizing the risk of running out of money. The result is a defined-benefit-like outcome in a defined contribution pension-plan structure (i.e., you won't be eating cat food in retirement).

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TD3.0 : What DC Plan Members Really Want

Pension Investing with PUR's Target Date 3.0

PRESS RELEASE : PENSON BREAKTHROUGH FOR THE REST OF US!

(DECEMBER 2011)  Target date or lifecycle funds are popular because they simplify decision making, but are blunt instruments in dealing with market risk and personal goals. We reengineer age based lifecycle funds making them more responsive to individual goals and to market conditions by structuring a dynamic risk based glide path that targets replacement income. We conclude that adjusting portfolio risk based upon progress towards a goal improves the likelihood of achieving a target income with lower expected risk than current lifecycle funds and other popular strategies.

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THOUGHT LEADERSHIP

2013 Benefits & Pension Summit (Benefits Canada)

Target Date Funds
What you don’t know about target date funds will hurt you. Current target date funds deliver DB-like 70% replacement income about 52% of the time. Learn about new trends to improve plan members’ chances for a more comprehensive and satisfactory retirement solution.

 

2012 CPBI Ontario Regional Conference:

Innovations in Target Date Funds
Delivering the Pension Promise

PRESS CLIPPINGS

CA MAGAZINE

2012-Oct  Confronting A Perfect Pension Storm - Are PRPPs The Answer?


BENEFITS CANADA

2011-Aug  Why Ottawa Should Allow ETFs in PRPPs

2011 May : Sep
PENSION INVESTING USING ETFs

PART 1 . PART 2  .  PART 3

2009-Oct  Target Date 3.0
 

BROCHURES