Addressing the “nastiest, hardest problem in finance” 
– William Sharpe, Nobel Laureate Economist

Canadians are living longer, with a massive and growing wave of the population expected to start entering their retirement years.¹ A confluence of factors has created a considerable misalignment between human and portfolio longevity that will require new thinking and innovative retirement solutions.

The Retirement Dilemma whitepaper outlines the following topics of interest, supported by case studies:

  • ‏‏‎ ‎‏‏‎ ‎‏‏‎ ‎• ‏‏‎ ‎Human longevity
  • ‏‏‎ ‎‏‏‎ ‎‏‏‎ ‎• ‏‏‎ ‎Portfolio longevity
  • ‏‏‎ ‎‏‏‎ ‎‏‏‎ ‎• ‏‏‎ ‎Historically low interest rates
  • ‏‏‎ ‎‏‏‎ ‎‏‏‎ ‎•‏‏‎ ‎ Erosion of defined benefit plans
  • ‏‏‎ ‎‏‏‎ ‎‏‏‎ ‎• ‏‏‎ ‎Sequence of returns risk

 

Download the Whitepaper

(French Version)

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1 Source: Statistics Canada, Historical Age Pyramid, Census Program, Data Products 2016 Census, Canada, 2019-04-03.  Date accessed online May 30, 2022. https://www12.statcan.gc.ca/census-recensement/2016/dp-pd/pyramid/pyramid.cfm?type=1&geo1=01.

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