Western Pension Plans Academic and Administrative Staff Pension Boards
|
|
|
- Suzanna Terry
- 6 years ago
- Views:
Transcription
1 Western Pension Plans Academic and Administrative Staff Pension Boards 2017 Annual Report to Members May 2018 Human Resources
2 May Education Sessions UCC room 146 Annual Member Update, with guest Michael Carter Tuesday May 1 (4:30) Understanding the Value of your Western Plan Tuesday May 8 (noon) Annual Member Update Wednesday May 9 (noon) Retirement Ready: The Sun Life Retirement and Savings Plan for Western Retirees Thursday May 10 (noon) CPP/OAS (Service Canada) Friday May 11 (noon) Human Resources Disclaimer This presentation material was created to educate and update members of the Western Pension Plans. It is not intended to constitute legal, tax, pension, or investment advice, nor an opinion regarding the appropriateness of any investment, nor a solicitation of any type. This presentation contains general information and should not be acted upon without obtaining specific legal, tax, and investment advice from a licensed professional. Joint Pension Board 2017 Annual Report to Members 4
3 Agenda Welcome and introduction Update on changes, members decisions and experience in the plans in 2017 Changes in 2018 Next steps for managing your account Questions and feedback from you throughout and after Joint Pension Board 2017 Annual Report to Members 5 Welcome Western Pension Plans (as of December 31, 2017) Plan for Academic Staff established in 1970 Plan for Administrative Staff established in 1974 $1.2 billion in assets 6039 active members 14 investment options Governed by the Joint Pension Board (Academic Plan and Administrative Plan Boards) Joint Pension Board 2017 Annual Report to Members 6
4 Your Joint Pension Board (17-18) Name Role at Western Tenure Joanna Asuncion Director, Administration & Finance, Faculty of Information and Since 2013 Media Studies Ab Birch Systems Support Analyst, Financial Services Since 1997 John Ciriello Prof. Department of Physiology and Pharmacology Since 2015 Megan Clements Director, Administration, Faculty of Music Since 2016 Stephen Foerster Prof. Richard Ivey School of Business Since 2008 Steve Kopp Prof. Department of Statistics and Actuarial Sciences Since 2017 Louise Koza Director, Total Compensation, Human Resources Since 2003 Lynn Logan Vice President, Operations & Finance Since 2009 Jim Loupos (Vice Chair) Internal Auditor, Financial Services Since 2009 Michelle Loveland (Chair) Prof. Department of Management and Organizational Studies Since 2007 Jane O Brien Associate Vice President, Human Resources Since 2000 Joint Pension Board 2017 Annual Report to Members Changes Consolidation of services at Sun Life Joint Pension Board still responsible for governance and accountable for the composition of the investment platform and overall administration of the plans Investments are the same Fees are similar New: Investment advice New: Online tools New: Daily valuation of investments New: Mobile access Joint Pension Board 2017 Annual Report to Members 8
5 2017 Changes Sun Life Account Management Register your account access (online or by phone) Designate your beneficiaries (online or by form) Complete the Asset allocation tool Complete the Retirement planner tool Download the mobile app Adjust plan, seek advice, or confirm you are on track! Communications from Sun Life A message from Sun Life about phishing Joint Pension Board 2017 Annual Report to Members Changes Statements Semi annual (June 30) and Annual (December 31) Are you ready to go paperless? Income Projections o My financial future: Provides an estimated monthly income o Income source: Retirement Income Fund, withdrawals from savings at 4% o Assumptions: salary, contributions, rate of investment return, retirement age, government benefits you can customize! Previously: estimated income from an Annuity using common assumptions for all members Joint Pension Board 2017 Annual Report to Members 10
6 2017 Changes Income Projections Retirement Income Funds and Annuities are different when it comes to: risks Create your own projection investment control My money tools > Retirement Planner income certainty income flexibility survivor income estate planning Review: Retirement income, Retirement savings, Action Plan, Detailed report Test: the impact of different choices (retirement age, savings, investment return, targeted income) Joint Pension Board 2017 Annual Report to Members Changes Liquidating Trust Fund closed in June If no action taken, moved to Money Market Segregated Fund Manager changes: Fund / Mandate Previous Manager/Composition New Manager/Composition Canadian Equity Diversified Bond CC&L (QCore) 33 1/3% Beutel Goodman 33 1/3% Greystone 33 1/3% AB Canadian Core Plus 38.4% AB Global Bonds (active) 25.6% BlackRock Canadian Bonds (passive) 26% Romspen Commercial Mortgages 10% CC&L (Q Growth) 50% Beutel Goodman 50% AB Canadian Core Plus Advanced 38.4% AB Global Bonds (active) 25.6% BlackRock Canadian Bonds (passive) 26% Romspen Commercial Mortgages 10% Joint Pension Board 2017 Annual Report to Members 12
7 Member Support 2017 my money tools (Feb) Service Canada: Leaves & EI (Nov) Full day Pre Retirement Planning (4 X) Investing with Confidence Part I (Nov) Annual Member Meetings (3 X May) Sun Life Retirement & Savings Plan for Western Retirees (2 X) Retirement Ready (Nov) Creating your financial roadmap (May) Service Canada: CPP & OAS (Nov) Joint Pension Board 2017 Annual Report to Members 13 Member Support :1 meetings, by appointment with Sun Life Retirement Consultants Off campus, for members likely to retire within 5 years Every month Call (Option 1) with Sun Life Education Consultants On campus, available for any member February, May and November Online registration 265 meetings held 150 meetings held Joint Pension Board 2017 Annual Report to Members 14
8 2018 Changes 1:1 Consultations on campus Survey of Retirement Consultant clients TDF 2018 Maturing June 1, 2018 Alternatives: TDF June 2020 or Money Market Segregated Fund Pre recorded webinars Retirement Ready: The Sun Life Retirement & Savings Plan for Western Retirees (already available) Understanding the Value of Your Western Plan Joint Pension Board 2017 Annual Report to Members 15 Our Members Decisions Level of Savings Required Voluntary Investment Choices Asset allocation Number of funds Choice of funds Joint Pension Board 2017 Annual Report to Members 16
9 Required Contributions Employee required contribution levels: Faculty Contribution Rates: 1.5% vs 5.5% Administrative Contribution Rates: 2.5% vs 5.5% Joint Pension Board 2017 Annual Report to Members 17 Voluntary Contributions % of members making voluntary contributions Total voluntary contributions 24.3% 27.3% 27.7% $5.2 million $5.9 million $6.0 million % of pay 4.6% 4.5% 4.7% Transfers from RRSP/employers $ 2.3 million, 41 members $3.3 million, 48 members $2.3 million, 42 members Maximum total contribution: the lesser of 18% of income and $26,500 (in 2018) (voluntary combined with required contributions) Changes to your elections can be made with Sun Life online or by phone. Joint Pension Board 2017 Annual Report to Members 18
10 Asset Mix Cash 5% 5% 6% Bonds 28% 31% 31% Equities 67% 64% 63% Joint Pension Board 2017 Annual Report to Members 19 Investment Choices Asset allocation Joint Pension Board 2017 Annual Report to Members 20
11 Investment Choices Number of funds Joint Pension Board 2017 Annual Report to Members 21 Investment Choices Choice of funds Joint Pension Board 2017 Annual Report to Members 22
12 Performance Rates of return Fees Joint Pension Board 2017 Annual Report to Members 23 Rates of Return as at December 31, 2017 (net of fees) Asset Class Investment Fund 1 year Return Balanced Portfolios Balanced Growth 11.53% Balanced Income 6.60% Diversified Equity 15.79% Canadian Equity 9.68% Equity Non North American Equity 19.26% US Equity Hedged 21.05% US Equity Unhedged 13.69% Socially Responsible Global Equity 16.09% Diversified Bond 3.26% Long Term Bond 7.54% Fixed Income and Canadian Bond 2.40% Cash Target Date Funds 0.60% Money Market 0.73% Joint Pension Board 2017 Annual Report to Members 24
13 Rates of Return by member (net of fees) Individual Member Accounts 2017 Return Breakdown Historical Median Returns Maximum: 21.0% Average: 10.7% Median: 11.5% Minimum: -3.1% 1 year: 11.5% 3 year: 8.3% 5 year: 10.8% Joint Pension Board 2017 Annual Report to Members 25 Fees Fees are paid by members for investment management, custodian services and underlying fund operating expenses (which include accounting, legal and other administrative expenses related to managing an investment fund). Joint Pension Board 2017 Annual Report to Members 26
14 Fees Fees are important because they can erode returns and therefore replacement income over time. For example: 2% incremental fee per annum = significant reduction in income Investing $500 per month in Western Diversified Equity Fund from March 1978 to February 2018= $1,750,000 Investing in a fund charging fees 2% higher over the same period = $979,000 Entire difference ($771,000) due to higher fees Western Pension Plan Retail Market 0.45% 1.50% 2.50% Fees have a huge impact! Joint Pension Board 2017 Annual Report to Members 27 Next Steps Monitor your progress Seek support from Sun Life Consider a financial planner Western Human Resources Joint Pension Board 2017 Annual Report to Members 28
15 Monitor your progress Advice on how to invest your account is available from a Sun Life Investment Advice Specialist Call am to 8 pm on business days Use the tools online in your Sun Life account to monitor your progress and customize your own projections Sign in from sunlife.ca/western choose: my financial centre > Resources > my money tools Asset Allocation tool Retirement Planner Tools Consult a Financial Planner Joint Pension Board 2017 Annual Report to Members 29 Support: all members Sun Life Customer Care Centre: Account management support including designating/maintaining beneficiaries, using tools and making investment changes Speak with an Investment Advice Specialist Sun Life Education Consultants: Meet 1:1 on campus, usually in February, May and November Joint Pension Board 2017 Annual Report to Members 30
16 Support: within 5 years of retirement Sun Life Retirement Consultant: (option 1) > Select the RIF/LIF tab Planning 1 on 1 in person, by phone, videoconference Income projections and detailed plan Investment advice Sun Life Retirement & Savings Plan for Western Retirees For questions about eligibility for retirement, post retirement benefits or other employment or governance related questions contact Western HR at hrhelp@uwo.ca Joint Pension Board 2017 Annual Report to Members 31 From your colleagues Joint Pension Board 2017 Annual Report to Members 32
JOINT PENSION BOARD MEETING. September 28, :00 a.m. SSB 4220
JOINT PENSION BOARD MEETING September 28, 2009 9:00 a.m. SSB 4220 PRESENT: Ab Birch, Michelle Loveland, Stephen Hicock, Stephen Foerster, Krys Chelchowski, Jim Loupos, Cindy Servos, Martin Bélanger, Louise
YOUR PLAN. Information about your Western Pension Plan for New Members
YOUR PLAN Information about your Western Pension Plan for New Members Welcome to the Western Pension Plan Congratulations and welcome to the Western Pension Plan one of the most valued of benefits offered
JOINT PENSION BOARD MEETING. November 17, :00p.m. SSB 4220
JOINT PENSION BOARD MEETING November 17, 2010 1:00p.m. SSB 4220 PRESENT: Stephen Foerster, Krys Chelchowski, Ab Birch, Martin Bélanger, Stephen Hicock, Jane O Brien, Craig Dunbar, Louise Koza, Jim Loupos,
Pension Plan Operations. Positive Changes Coming
Pension Plan Operations Positive Changes Coming Information and Consultation with Members of the Plans August 2016 Joint Pension Board Human Resources Agenda Goals of the Pension Plan/Joint Pension Board
Frequently Asked Questions
Frequently Asked Questions About a Tax-Free Savings Account (TFSA) What is a TFSA? What does it offer? What are the advantages of the Shaw TFSA? Are contributions to a TFSA tax deductible? What are the
UNDERSTAND YOUR WESTERN RETIREMENT PLAN...1
Last Updated: January 2017 TABLLE OF CONTENTS UNDERSTAND YOUR WESTERN RETIREMENT PLAN...1 PLANNING FOR RETIREMENT Retirement Counselling... 2 Retirement Workshop and Information Sessions... 3 Online Financial
Securing your future with your group plan. Your group plan at work
Securing your future with your group plan Your group plan at work Sources of Retirement Income Your responsibilities under this plan As a member of a group retirement savings plan with more than one investment
to your investments IMPORTANT UPDATES
IMPORTANT UPDATES to your investments University of Northern British Columbia (UNBC), as the plan sponsor of the UNBC Pension Plan, has a responsibility to ensure the performance of the available investment
Pre-retirement workshop March 2016
It s my time to retire Pre-retirement workshop March 2016 Shafique Pirani, BA, CRM, EPC, CFP Senior Education Consultant Sun Life Financial is proud to sponsor the Association of Canadian Pension Management
Pension Plan Summary JANUARY 2017
Pension Plan Summary JANUARY 2017 » Table of Contents Welcome to Your Retirement Journey...3 Important Note...4 Your Plan at a Glance...5 Your Responsibilities...6 Joining the Plan...7 Regular Full-time
FACULTY PENSION PLAN 101
FACULTY PENSION PLAN 101 October 11, 2018 LILY LEE, MEMBER SERVICES ASSOCIATE Agenda 1. Welcome 2. About the Plan 3. Investment Options 4. Your Responsibilities 5. Options at Retirement 2 About the Plan
University of Saskatchewan 2000 Academic Money Purchase Pension Plan Annual General Meeting
University of Saskatchewan 2000 Academic Money Purchase Pension Plan Annual General Meeting Charleen Turner, Client Relationship Executive Shafique Pirani, Senior Education Consultant Responsibilities
Life s brighter under the sun (and so is your retirement) The Sun Life Retirement & Savings Plan for Western Retirees
Life s brighter under the sun (and so is your retirement) The Sun Life Retirement & Savings Plan for Western Retirees Table of contents Sun Life Retirement & Savings Plan for Western Retirees: Plan at
McGill University Pension Plan for Members of the Service Employees Union. Sylvie Gamache, Senior Education Consultant January 20, 2017
McGill University Pension Plan for Members of the Service Employees Union Sylvie Gamache, Senior Education Consultant January 20, 2017 2 Key topics Understanding your plan Choosing your funds Sun Life
TO COLLECT A PENSION FROM THE CANADA PENSION PLAN (CPP), YOU MUST CONTRIBUTE TO CPP DURING YOUR WORKING YEARS.
TO COLLECT A PENSION FROM THE CANADA PENSION PLAN (CPP), YOU MUST CONTRIBUTE TO CPP DURING YOUR WORKING YEARS. Sun Life Financial is proud to sponsor the Association of Canadian Pension Management (ACPM)
The University of British Columbia Faculty Pension Plan
Financial statements of The University of British Columbia Table of contents Independent Auditor s Report... 1-2 Statement of financial position... 3 Statement of changes in net assets available for benefits...
THE UNIVERSITY OF WESTERN ONTARIO PENSION PLAN FOR MEMBERS OF THE ACADEMIC STAFF
DRAFT Financial Statements of PENSION PLAN FOR MEMBERS OF THE ACADEMIC STAFF DRAFT - May 17, 2012, 12:05 PM Version 9.25 last saved May 17, 2012 at 12:04:59 PM INDEPENDENT AUDITORS' REPORT To the Academic
Your Canon Canada Inc. (CCI) Group Benefits Program. The benefits start here.
Your Canon Canada Inc. (CCI) Group Benefits Program The benefits start here. Volunteerism Group Retirement Group Retirement Established in Established Group Benefits About Manulife 1887 1887 Canada s largest
Pension Plan for Faculty, Librarians and Senior Administrative Officers of Mount Allison University
Pension Plan for Faculty, Librarians and Senior Administrative Officers of Mount Allison University DEC, 2014 CONTENTS INTRODUCTION... i YOUR RESPONSIBILITIES... ii 1. Am I eligible to join the Pension
September 05, Dear John,
Pascal Leo, CIM Knowledge Specialist Sun Life Financial - Client Solutions Centre 1 York St, 27th Floor Toronto, ON M5J 0B6 1-877-504-8031 432-7724 pascal.leo@sunlife.com September 05, 2017 Dear John,
Governance of Pension Plans
Governance of Pension Plans Executive Summary The governance of Plans has evolved gradually over the years. Given the relatively unique structure of the Plans, historical experience, and the changing external
KEY TOPICS. What retirement looks like today What does retirement mean to you? Next steps: how to prepare today for tomorrow
KEY TOPICS What retirement looks like today What does retirement mean to you? Next steps: how to prepare today for tomorrow WHAT RETIREMENT LOOKS LIKE TODAY LIFE IN RETIREMENT Source: Sun Life Financial
what s what you need to know USASK PENSION the plan? Overview of the 2000 Academic Money Purchase Pension Plan
what s USASK PENSION the plan? what you need to know Overview of the 2000 Academic Money Purchase Pension Plan Retirement is an important milestone We want you to enjoy your retirement years to the fullest.
and how to make it grow Northern British Pension Plan
my money* * and how to make it grow University of Northern British Columbia Defined Contribution Defined Contribution Pension Plan Agenda Sun Life Financial update Your plan Plan member activity Investments
McGill University Pension Plan Annual Meeting of Plan Members. Wednesday, May 3, 2017
McGill University Pension Plan Annual Meeting of Plan Members Wednesday, May 3, 2017 2 Agenda Comments from the Chair Overview of Pension Plan Structure Overview of Voting Procedures Results Continuance
UBC FACULTY PENSION PLAN PENSION FORUM M R. J O O S T B L O M, C H A I R, B O A R D O F T R U S T E E S M S. O R L A C O U S I N E A U, E X E C U T I
UBC FACULTY PENSION PLAN PENSION FORUM M R. J O O S T B L O M, C H A I R, B O A R D O F T R U S T E E S M S. O R L A C O U S I N E A U, E X E C U T I V E D I R E C T O R, P E N S I O N S M R. M I K E L
University of Victoria Money Purchase Pension Plan 2016 Annual Report
University of Victoria Money Purchase Pension Plan 2016 Annual Report Notice of Annual General Meeting Tuesday, April 18th, 2017 4:30 p.m. Room A104 Bob Wright Centre This is an informal meeting at which
Harvest Your Savings
Harvest Your Savings Agenda 1. Your retirement income needs 2. Where will your retirement money come from? 3. Retirement accounts and products 4. Sun Life Financial s retirement services Income at Retirement
The UNIVERSITY of WESTERN ONTARIO
The UNIVERSITY of WESTERN ONTARIO Position Title: Board Member, Academic and Administrative Staff Pension Boards Reports to: Board of Governors and Pension Plan Members Date: December 2017 GENERAL OVERVIEW:
my work my Investments Canada Post Defined Contribution Programs and Group Retirement Savings Plans
my money @ work my Investments Canada Post Defined Contribution Programs and Group Retirement Savings Plans my money. my tools. As a member of a company group retirement savings plan, you have access to
Risk Warnings. Mercer (Canada) Limited
November 7, 2008 Investing in Troubled Times Saint Mary s University Pension Plan www.mercer.ca IMPORTANT NOTES This presentation was prepared for the Saint Mary s University Pension Committee for the
what s what you need to know USASK PENSION the plan? Overview of the Research Pension Plan
what s USASK PENSION the plan? what you need to know Overview of the Research Pension Plan Retirement is an important milestone We want you to enjoy your retirement years to the fullest. That s why we
Q3 Pooled Fund Survey
Q3 Pooled Fund Survey 2017 Table of Contents 01 INTRODUCTION 02 SUMMARY OF MANDATE MEDIANS AND INDEX RETURNS 04 BALANCED 07 CANADIAN EQUITY 11 CANADIAN EQUITY (CORE) 13 CANADIAN EQUITY (GROWTH) 14 CANADIAN
Q2 Pooled Fund Survey
Q2 Pooled Fund Survey 2017 Table of Contents 01 INTRODUCTION 02 SUMMARY OF MANDATE MEDIANS AND INDEX RETURNS 04 BALANCED 07 CANADIAN EQUITY 11 CANADIAN EQUITY (CORE) 13 CANADIAN EQUITY (GROWTH) 14 CANADIAN
Faculty Pension Plan 101
Faculty Pension Plan 101 UBC Okanagan October 4, 2016 Lily Lee Member Services Associate Agenda 1. Welcome 2. About the Plan 3. Investment Principles 4. Investment Options 5. Your Responsibilities 6. Options
Q4 Pooled Fund Survey
Q4 Pooled Fund Survey 2017 Table of Contents 01 INTRODUCTION 02 SUMMARY OF MANDATE MEDIANS AND INDEX RETURNS 04 BALANCED 07 CANADIAN EQUITY 11 CANADIAN EQUITY (CORE) 13 CANADIAN EQUITY (GROWTH) 14 CANADIAN
The University Of Ontario Institute Of Technology (UOIT)
My UOIT Pension Plan The University Of Ontario Institute Of Technology (UOIT) Defined Contribution Pension Plan Group retirement services are provided by Sun Life Assurance Company of Canada, a member
Q4 Pooled Fund Survey
Q4 Pooled Fund Survey 2018 Table of Contents 01 INTRODUCTION 02 SUMMARY OF MANDATE MEDIANS AND INDEX RETURNS 04 BALANCED 07 CANADIAN EQUITY 12 CANADIAN EQUITY (CORE) 14 CANADIAN EQUITY (GROWTH) 15 CANADIAN
Harvest Your Savings Retirement income options using your University of Manitoba Group LIF/RRIF/PRIF
Harvest Your Savings Retirement income options using your University of Manitoba Group LIF/RRIF/PRIF Agenda 1. Your retirement income needs 2. Where will your retirement money come from? 3. Retirement
Universities Academic Pension Plan
Universities Academic Pension Plan 2016 Member Handbook Table of Contents INTRODUCTION... 1 Overview... 1 UAPP Website... 2 Information Sheets... 2 Retirement Planner... 2 Contacts for More Information...
Introduction. managed by CI Investments Inc. issued by Sun Life Assurance Company of Canada
Introduction managed by CI Investments Inc. issued by Sun Life Assurance Company of Canada Agenda SunWise Essential Series design overview three Classes investment solutions Tools & marketing support SunWise
Start saving guide. Join your workplace savings plan to get:
Start saving guide Join your workplace savings plan to get: + + + + + employer contributions easy ways to save competitive costs simple investing advice when you need it welcome Get closer to your fi nancial
Registered Retirement Savings Plan for M c Master University AGM May 2017
Registered Retirement Savings Plan for M c Master University AGM May 2017 Teena Dawson Senior Education Advisor Tom Dimitropoulos Senior Client Relationship Manager Today s Topics Roles and responsibilities
Your investment funds, your way
Your investment funds, your way Before you choose your investment funds, complete the questionnaire Your investor profile found in the Enrolment guide, your way. The investor profile will help you determine
connection > Green office environment... continued on page 3 Question: I noticed my pension payment decreased in July. Why was there a reduction?
THE PENSION connection A newsletter for the Pensioners of the OPSEU Pension Trust OPTrust operates in a green office environment Environmental awareness At OPTrust we recognize the value of promoting a
Q1 Pooled Fund Survey
Q1 Pooled Fund Survey 2018 Table of Contents 01 INTRODUCTION 02 SUMMARY OF MANDATE MEDIANS AND INDEX RETURNS 04 BALANCED 07 CANADIAN EQUITY 11 CANADIAN EQUITY (CORE) 13 CANADIAN EQUITY (GROWTH) 14 CANADIAN
INSIGHTS WEST Survey of Canadians on Retirement - December 14, 2016
At what age did you retire? Canadian Gender Work with planner? Female Male Yes No Before I turned 65 76% 78% 75% 71% 79% At age 65 9% 12% 8% 6% 11% At age 66 or older 14% 12% 17% 24% 11% Not sure 0% 0%
THE UNIVERSITY OF WESTERN ONTARIO RETIREMENT INCOME FUND
DRAFT Financial Statements of THE UNIVERSITY OF WESTERN ONTARIO DRAFT - May 11, 2011, 7:54 AM Version 8.09 last saved May 10, 2011 at 4:07:46 PM INDEPENDENT AUDITORS' REPORT To the Board of Governors of
AGENDA. The Academic Pension Plan
Choosing your rate of Required Contributions to the Academic Pension Plan Human Resource Services Retirement Plans June 2011 AGENDA The decision you need to make Required contributions rates Differences
Future PREPARING FOR THE INTRODUCING YOUR UNIVERSITY OF MANITOBA PENSION PLAN (1993) What is inside. May 2012
May 2012 PREPARING FOR THE Future INTRODUCING YOUR UNIVERSITY OF MANITOBA PENSION PLAN (1993) What is inside Your Pension at a Glance...2 Welcome to Your Plan...3 Joining the Plan...4 Contributions...5
Saskatchewan Telecommunications Pension Plan. 83rd Annual Report and Financial Statements
Saskatchewan Telecommunications Pension Plan 83rd Annual Report and Financial Statements Year ended December 31, 2010 Board Mission Statement The Board is committed to pursuing sound governance practices
McGill University Pension Plan
McGill University Pension Plan Annual Meeting of Pension Plan Members May 4 th, 2012 1 Welcome 2 Pension Administration Committee (Plan Trustees) Ms. Lynne B. Gervais, Chair (Principal appointed) Ms. Cristiane
Human Resources A GUIDE TO SHELL CANADA S DEFINED CONTRIBUTION INVESTMENT OPTIONS
Human Resources A GUIDE TO SHELL CANADA S DEFINED CONTRIBUTION INVESTMENT OPTIONS May Introduction This guide gives you information on the funds offered to members of the Shell Canada Pension Plan (the
The University of Western Ontario Department of Statistical and Actuarial Sciences ACTUARIAL SCIENCE 2553A Mathematics of Finance
The University of Western Ontario Department of Statistical and Actuarial Sciences ACTUARIAL SCIENCE 2553A Mathematics of Finance -- 2017-18 Instructor Section Day/Time Location email Office/Phone Mr.
FACULTY PENSION PLAN Y
FACULTY PENSION PLAN 2014 Year In Review Contents Message from the Chair 3 2014 at a Glance Highlights 4 Financial Statistics 5 Membership Statistics 7 Investments Market Commentary 11 Fund Rates of Return
STRATEGIES TO MANAGE RISK
JuLY 20-25, 2014 Toronto, Canada REGISTER NOW! Program Overview & Agenda Register on-line at www.torontocentre.org July 20-25, 2014 Location: Toronto, Canada REGISTER NOW! Program Overview Insurance supervisors
McGill University Pension Plan
The presentation can be accessed in online at: www.mcgill.ca/hr/node/2128 McGill University Pension Plan PENSION PLAN INFORMATION SESSION MacDonald Campus Nov 6, 2015 Human Resources 1 This presentation
2018 Plan Guide UBC FACULTY PENSION PLAN
2018 Plan Guide UBC FACULTY PENSION PLAN updated December 2017 TABLE OF CONTENTS PAGE Background 4 Eligibility 4 Pension Plan Required Contributions 4-5 Contributions to the Pension Plan while on Unpaid
Q4 Pooled Fund Survey
Q4 Pooled Fund Survey 2016 Table of Contents 01 INTRODUCTION 02 SUMMARY OF MANDATE MEDIANS AND INDEX RETURNS 04 BALANCED 07 CANADIAN EQUITY 11 CANADIAN EQUITY (CORE) 13 CANADIAN EQUITY (GROWTH) 14 CANADIAN
Statement of Investment Policies and Guidelines for Restricted Internal Funds;;
and Guidelines for Restricted Internal Funds;; Category: Financial; Jurisdiction: To Be Determined; Approval Authority: Board of Governors; Established on: October 2015; Amendments: April 26, 2018; Reviews:
REGISTERED PENSION PLAN ANNUAL REPORT bankofcanada.ca
REGISTERED PENSION PLAN ANNUAL REPORT 2011 bankofcanada.ca The Registered Pension Plan Annual Report is available on the Bank of Canada s website at bankofcanada.ca. For further information, contact: Public
Group Retirement Plan Information Session
Group Retirement Plan Information Session Introducing Lorna Stewart Certified Financial Planner, Elder Planning Counselor, Retirement & Investment Consultant Over 30 years experience in financial services
UNIVERSITY OF GUELPH PENSION PLANS. Statement of Investment Policies and Procedures. Effective September 27, 2012
UNIVERSITY OF GUELPH PENSION PLANS Statement of Investment Policies and Procedures Effective September 27, 2012 It is hereby certified by the undersigned that this Statement of Investment Policies and
Your Group Retirement Savings Plan Booklet
Total Compensation Pension Benefits Pay and Incentives Health and Well-Being Your Group Retirement Savings Plan Booklet Welcome to your Group Retirement Savings Plan (Group RSP) The Group RSP is an important
UBC FACULTY PENSION PLAN RETIREMENT GUIDE
UBC FACULTY PENSION PLAN RETIREMENT GUIDE Life s brighter under the sun UBC FACULTY PENSION PLAN AND YOUR RETIREMENT The UBC Faculty Pension Plan (FPP) gives you unique retirement income options. This
McGill University Pension Plan
McGill University Pension Plan Annual Meeting of Pension Plan Members May 2 nd, 2014 1 2 Welcome Pension Administration Committee (Plan Trustees) Mrs. Lynne B. Gervais, Chair (Principal appointed) Ms.
McGill University Pension Plan
McGill University Pension Plan Annual Meeting of Pension Plan Members May 3 th, 2013 1 2 Welcome Pension Administration Committee (Plan Trustees) Mrs. Lynne B. Gervais, Chair (Principal appointed) Ms.
Annual Report of The Memorial University Pension Plan
Annual Report of The Memorial University Pension Plan April 1, 2014 to March 31, 2015 Department of Human Resources, Memorial University of Newfoundland St. John s, NL A1C 5S7 (709) 864-7406 pensions@mun.ca
TACKLING EMERGING RISKS
TACKLING EMERGING RISKS JULY 16-21, 2017 Location: Toronto, Canada Program Agenda Register Online at www.torontocentre.org TACKLING EMERGING RISKS JULY 16-21, 2017 Location: Toronto, Canada Sunday, July
Investment Review 2012
Investment Review 2012 FortisAlberta Retirement Program Defined Contribution Pension Plan and Group RRSP This booklet accompanies the 2012 FortisAlberta Retirement Program information sessions, presented
Community Agencies Retirement Plan. May 12, 2016
Community Agencies Retirement Plan May 12, 2016 1 Retirement Planning Agenda Health of the DB Pension Plan Governance Regulatory Environment Funding Cash Flow Cash Flow History Membership Statistics Contributions
Total Compensation Pension Pay and Incentives Benefits Health and Well-being. Your information booklet Defined contribution (DC)
Total Compensation Pension Pay and Incentives Benefits Health and Well-being Your information booklet Defined contribution (DC) March 2018 17718 Welcome to the Canada Post pension plan Defined Contribution
UBC Faculty Pension Plan. Fourth Quarter 2007 Edition 900, , , , , , , , ,000
Fourth Quarter 27 Edition Page 2: Financial theory states that the higher the rate of return that an investor wants to earn, the greater the risk the investor must be prepared to take. In this issue Faculty
The Christian and Missionary Alliance. Transition into Retirement Information Session
The Christian and Missionary Alliance Transition into Retirement Information Session Introducing Lorna Stewart Certified Financial Planner, Elder Planning Counselor, Retirement & Investment Consultant
Professional Exempt Orientation. The College of William and Mary And VIMS Office of Human Resources
Professional Exempt Orientation The College of William and Mary And VIMS Office of Human Resources AGENDA Review Changes Annual Leave Due Date Retirement Options Virginia Sickness and Disability William
McGill. Pension Plan. Your. Human Resources.
Your McGill Pension Plan This brochure applies to you if you joined the Plan or were eligible to join the Plan prior to January 1, 2009. When it comes to retirement, most of us have the same general goal
The Christian and Missionary Alliance. Group Retirement Plan Information Session
The Christian and Missionary Alliance Group Retirement Plan Information Session Introducing Lorna Stewart Certified Financial Planner, Elder Planning Counselor, Retirement & Investment Consultant Over
Pace University 2013 Retirement Option
November 15, 2012 Pace University 2013 Retirement Option Introduction: Before proposing the 2013 retirement option, it is important to present some comments about the current status. On May 15, 2012, Pace
RRSP Contribution Limits Pension Adjustment (PA)... 9 RRSP Contribution Room... 9
Pension Plan for the Eligible Employees at the University of Saskatchewan (Research Pension Plan) Contents Introduction... 2 Eligibility... 2 Enrolling in the Plan... 2 Contributions... 2 Other Contributions...
Financial Statements. University of Victoria Combination Pension Plan. December 31, 2017
Financial Statements December 31, 2017 Contents Page Independent Auditor s Report 1-2 Statement of Financial Position 3 Statement of Changes in Net Assets Available for Benefits 4 Statement of Changes
Universities Academic Pension Plan Annual Report
Universities Academic Pension Plan 2013 Annual Report TABLE OF CONTENTS GOVERNANCE OF THE PLAN 1 CHAIR S MESSAGE 4 MANAGEMENT DISCUSSION AND ANALYSIS 7 Financial Position of Plan 7 Investment Report 14
Facts about UC s New 2016 Retirement Benefits Under Development
Facts about UC s New 2016 Retirement Benefits Under Development UC is developing new retirement benefits for future employees as a result of the 2015 budget agreement with state leaders. Under the agreement,
SCHLUMBERGER RETIREMENT AND SAVINGS PROGRAM MY TRANSITION GUIDE
SCHLUMBERGER RETIREMENT AND SAVINGS PROGRAM MY TRANSITION GUIDE TABLE OF CONTENTS Section 1: It s your move important information you need to know...page 3 Section 2: The transfer of your accounts to Sun
WORKTERRA. ONU Open Enrollment Portal
WORKTERRA ONU Open Enrollment Portal LOG-IN Single Sign-on Copy and paste the following link to access the online open enrollment portal, Workterra, https://workterra.net/workterra/login/sso?tpa=wyxofuwhpnu=&source=wbjjkts48bg=
UW-STOUT Annual Operating Budget Process
UW-STOUT Annual Operating Budget Process An institution s budget process is shaped by institutional character; institutional size; administrative sophistication; faculty governance structures and processes;
CAP Self-Assessment Tool
CAP Self-Assessment Tool Benchmark your current practices The Joint Forum of Financial Market Regulators released the final version of the Capital Accumulation Plan (CAP) Guidelines on May 28th, 2004.
Where can you get tax insight and explore leading tax technology? Welcome LAURENCE KIDDLE, MANAGING DIRECTOR EMEA CORPORATE MARKET
Where can you get tax insight and explore leading tax technology? Welcome LAURENCE KIDDLE, MANAGING DIRECTOR EMEA CORPORATE MARKET LEADING COMPANIES USE ONESOURCE FTSE 100 Fortune 500 Fortune 1000 Financial
Professional & Managerial Staff 3-5 Advisory Committee Meeting Summary April 22, 2014
1) Caucus Time (30 minutes) Professional & Managerial Staff 3-5 Advisory Committee Meeting Summary April 22, 2014 Time for members to discuss scheduled agenda items or other issues. 2) Updates on s from
SASKTEL PENSION PLAN NEWS
Spring 2008 April 2010 SASKTEL PENSION PLAN NEWS In this issue: Annual Pension Increase Investment Returns Pension Payment Schedule Annual Report Highlights Market Update Actuary News Governance Update
Massachusetts Port Authority Employees Retirement System Board Meeting Minutes April 29, 2016
A meeting of the Massachusetts Port Authority Employees Retirement Board was held at the offices of the Massachusetts Port Authority, One Harborside Drive, East Boston, MA 02128-2909, on Friday,. The following
Mike Leslie, Faculty Pension Plan David Ayriss, Leith Wheeler
Investment Market Update UBC Faculty Pension Plan Mike Leslie, Faculty Pension Plan David Ayriss, Leith Wheeler February 29, 2012 Agenda Introductions Investment Market Update New Fund Option & Fund Returns
University of Saskatchewan
At a glance: Group Retirement > Prescribed Retirement Income PRIF > Registered Retirement Income RRIF The Group Retirement is a custom product available exclusively to members such as yourself, who participate
Once you become a Member of the Plan, you may not withdraw from the Plan so long as you remain employed by the City.
Retirement Benefit Plan for the Employees of the City of St. John s as applicable to Members of CUPE Local 1289, CUPE Local 569, NAPE Local 7808, and Non-Bargaining (Option 1) The Retirement Benefit Plan
2014 From 1 PM to 4 PM Number of emission units of current vintage year (2014) available for sale:
Auction date and time Tuesday August 26, From 1 PM to 4 PM Number of emission units of current vintage year () available for sale: 1 049 111 units Number of emission units of future vintage year (2017)
Saskatchewan Telecommunications Pension Plan. 88 th Annual Report and Financial Statements
Saskatchewan Telecommunications Pension Plan 88 th Annual Report and Financial Statements Year ended December 31, 2015 Board Mission Statement The Board is committed to pursuing sound governance practices
NEWSLETTER. Fund Review for February Information about the York University Pension Fund
February 2018 NEWSLETTER Information about the York University Pension Fund Fund Review for 2017 Most equity markets across the globe posted a positive return in year 2017. The Canadian Equity Market performed
The Institutes Management Education
The Institutes Management Education Business Strategy for Emerging Risk and Insurance Leaders October 17 21, 2016 Jeff Miller/University of Wisconsin Madison Business Strategy for Emerging Risk and Insurance
UBC Faculty Pension Plan Pension Forum
UBC Faculty Pension Plan Pension Forum Mr. Joost Blom, Chair, Board of Trustees Ms. Cheryl Neighbour, Executive Director Operations Mr. Mike Leslie, Executive Director Investments May 22, 2013 1 Agenda
Advisory Services. Introducing
Introducing Your Pension. Our Promise. Advisory Services A new level of service There will come a point when you will face a major pension decision: you have past service you are considering purchasing,
AGENDA A REGULAR MEETING OF THE PORTFOLIO RISK COMMITTEE AND THE BOARD OF INVESTMENTS* LOS ANGELES COUNTY EMPLOYEES RETIREMENT ASSOCIATION
AGENDA A REGULAR MEETING OF THE PORTFOLIO RISK COMMITTEE AND THE BOARD OF INVESTMENTS* LOS ANGELES COUNTY EMPLOYEES RETIREMENT ASSOCIATION 300 N. LAKE AVENUE, SUITE 810, PASADENA, CALIFORNIA 91101 8:00