Joe Nunes

September 30, 2019

You Can’t Out-invest a Savings Problem

The thing I love most about Toronto is the traffic.  Second on my list is the cost of parking.  Oh wait, my list was upside down, […]
August 30, 2019

New Thinking – The Merits of Postponed Retirement

My Dad retired in his late 50s when I was still in high school.  For the 18 years he enjoyed his retirement he always said that […]
August 20, 2019

Game Changer – 21st Century Funding of DB promises

A new set of rules for funding defined benefit pension plans is emerging in Canada.  I think we need to be honest about what we want […]
August 6, 2019

Pension Fund Investment – Is Bigger Always Better?

Dean’s recent commentary on Apollo 11 and Target Benefit Plans started me thinking about my mission in the pension industry.  Although I couldn’t see it clearly […]
June 24, 2019

2019 CAP Member Survey

Each year Benefits Canada surveys members of Capital Accumulation Plans to monitor trends and the overall success of these programs.  As we migrate to a world […]
June 11, 2019

G19 – Who has something to hide?

Please forgive yourself if you don’t know what G19 is (was).  It was a guideline published by the Canadian Life and Health Insurance Association regarding Compensation […]
May 13, 2019

Annuity Alternatives for DC Plans

In my last commentary I wrote about the advantage that DB pension plans have in providing for higher pension payments to retirees from accumulated assets than […]
April 30, 2019

Annuities and the DB Plan Advantage

Marvel Comics introduces Annuity Woman! I have written about annuities before and my admiration for the super powers of the annuity in risk management.  There is […]
April 15, 2019

At What Age Are You Old?

I sure am tired of hearing that age 50 is the new age 40.  But the expression has an important underlying meaning.  The expression referring to […]
March 19, 2019

Educating our Children IV – No Easy Roads

I rarely pay much attention to the lives of the rich and famous as they play out in front of us through the media.  That said, […]
February 26, 2019

Is DB Really Better?

There is a lot of momentum lately around the comeback of DB plans.  We see continuous media coverage on how unprepared Canadians are for retirement and […]
February 11, 2019

Discount Rates – What is all the fuss about?

In recent months two interesting research papers were issued.  The first, published by the Fraser Institute and authored by Malcolm Hamilton and Phillip Cross is Risk […]