Our goal for the Ideal Canadian Pension Plan (ICPP) is to at least double a career Member’s pension, as compared to the current market retirement solutions, given the same level of career contributions. This is obviously ambitious, but is it reasonable? Many of our potential stakeholders are sceptical when advised of our goal. They think that we are overstating the potential for the ICPP.
The extensive evidence we provide in this article helps potential stakeholders to understand that double the pension is not only is it reasonable, it is likely eminently attainable.
Continue reading Can the Ideal Canadian Pension Plan reasonably be expected to double a career Member’s pension in retirement as compared to traditional Canadian retirement savings arrangements?
In this post I will review why the Ideal Canadian Pension Plan (ICPP) can be advantageous to Canadian workers who are in the middle of their expected career.
Continue reading The Advantages of the ICPP for Mid-Career Private Sector Employees
In this post I will review why the Ideal Canadian Pension Plan (ICPP) can be advantageous to Canadian workers who have many years to save before retiring.
Continue reading The Advantages of the ICPP for Private Sector Employees Expecting to Work Long Term
ICPP Funds Ltd. provides low-cost retirement investment services through the ICPP Accumulation Fund and ICPP Payout Fund. While the ICPP Accumulation Fund is designed to support long-term investments under the Ideal Canadian Pension Plan, it can also be used to support long-term investment mandates under any registered pension plan. Similarly, while the ICPP Payout Fund is specifically designed to support investments needed for the uninsured variable annuity offered under the Ideal Canadian Pension Plan, it can also be used to support any inflation-protected lifetime payout strategy’s investment mandate under any registered pension plan.
The following presentation outlines ICPP Funds Inc.’s mission, philosophy, governance, and investment mandates. It also covers the particulars of how we run our funds, along with some recent performance data. Click below:
ICPP Funds Inc. – Background Presentation
We have created a succinct presentation which provides a clear, compelling overview of the Ideal Canadian Pension Plan (ICPP). The presentation outlines workplace pension issues in Canada and how the ICPP–a Collective Defined Contribution Plan–offers a solution that provides private sector employees and employers what they want and need. In short, we’ve highlighted why the ICPP truly is ideal. This includes optimal payout strategies, elimination of employer risks, appropriate member support, and reduced expenses, all of which adds up to greatly enhanced retirement benefit security for plan members. Click the link below to view the presentation and find out how the ICPP can deliver an optimal pension plan for private sector Canadians.
Ideal Canadian Pension Plan Background Presentation
In this post I will review why the Ideal Canadian Pension Plan (ICPP) can be advantageous to a Canadian who is approaching retirement.
Continue reading The Advantages of the ICPP for Private Sector Employees Approaching Retirement
In this post I will review a Participating Employer’s role in the Ideal Canadian Pension Plan.
Continue reading Background on a Participating Employer’s Role in ICPP
In this post I will review a Member’s role in the Ideal Canadian Pension Plan. Continue reading Background on Member’s Role in ICPP
In this post I will review the reasoning behind the ICPP Accumulation Fund and why we believe this fund will provide appropriate long-term investment results for members of pension plans in Canada.
Continue reading Background on ICPP Accumulation Fund
In my view, the current requirement to settle all benefits determined at wind-up on an immediate liquidation basis is extremely expensive and is therefore detrimental to most of the stakeholders in the pension industry. Current regulations favour appointed administrators and insurers rather than plan members. The attached article discusses a new wind-up regime that would provide better outcomes for members, plan sponsors, regulators and the Pension Benefits Guarantee Fund.
A New Paradigm for Pension Plan Wind-ups