Quebec VRSP Deadline Looming

Posted on October 7th, 2016 by Actuarial Solutions

By Jason Vary Do you have employees in Quebec who do not have access to a means to save for retirement via payroll deduction?  If so, you may need to establish a Voluntary Retirement Savings Plan (VSRP) before the end of 2016. Employers with employees in Quebec who sponsor a comparable plan (i.e. a Group […]

Some Good Ideas, and One Really Bad Idea

Posted on October 7th, 2016 by Actuarial Solutions

By Dean Newell Regular readers of this commentary will be familiar with my colleague Joe Nunes’ views on the various Bad Ideas that our governments have proposed on pension matters in recent years.  Now it is my turn to warn our audience on another Bad Idea being considered. Ontario’s Review of the Solvency Funding Framework […]

The 27th Actuarial Report on the CPP – December 31, 2015

Posted on September 29th, 2016 by Actuarial Solutions

By Joe Nunes On Tuesday the newest actuarial report (the 27th) on the CPP arrived in my inbox.  It is hard to believe that it has been 2.8 years since the last report which I wrote about here.  It is also amazing to think that the entire Ontario Retirement Pension Plan debacle, from fantasy to […]

Expanded CPP – What problem are we trying to solve?

Posted on September 22nd, 2016 by Actuarial Solutions

By Joe Nunes I spoke Tuesday at the International Society of Certified Employee Benefit Specialists’ Annual Symposium. My topic was the expanded CPP and what it means for employees, employers and taxpayers. The presentation was fairly basic and went through the details of what we know today (future benefits) and what we still don’t know […]

CPP Expansion – Taxpayer Loss #1

Posted on August 5th, 2016 by Actuarial Solutions

By Joe Nunes The death of the Ontario Retirement Pension Plan (ORPP) wasn’t much of a celebration for me because even though the ORPP was definitely the ugly step-sister, CPP expansion isn’t exactly Cinderella. I haven’t started writing about Expanded CPP partly because there is so much we still don’t know and partly because July […]