Equate Retirement Savings Program

Re-Imagining Group Retirement Savings. Simple Choices. Smarter Growth.

We are focused on solving the most important element of retirement savings plans: providing better investment returns with lower risk.

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We've crunched the numbers

Retirement investments are falling short

The data is indisputable: investment returns of large defined benefit pension plans are significantly higher than the balanced funds and target date funds offered by most group retirement savings programs. This means that employees in Defined Contribution and Group RRSP plans are falling behind on the growth of their pension savings.

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What Our Research Shows

There are two main factors causing employees to generate lower returns & expose themselves to higher risk:

1

Employees must choose their own investments

Research indicates that 85% of employees do not feel they have the financial knowledge or resources to adequately manage their own nvestments. So why are they all being asked to make all of their own investment decisions when it comes to their group plan? In addition to a lack of financial knowledge, other factors contributing to the lower investment returns are: employees are overwhelmed with the list of investment choices; employees make emotional, short-term decisions; and employees’ investment choices are not reviewed or re-balanced on a regular basis.
2

No access to investment solutions beyond stocks, bonds, and cash

If you compare the investment portfolios of the large pension plans beside an employee’s self-directed retirement portfolio, the difference is obvious. The professionally managed pension funds have access to a much broader suite of investments to help generate superior returns and diversify risk.

balanced vs diversified

Portfolio comparison

Group Retirement Savings Balanced Fund

VS

Large Pension Plan

How we’re different

Our retirement savings program

How we solve these two issues affecting retirement savings investment performance

Employees no longer have the burden of managing their own investments

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Their retirement savings program is managed by an experienced, professional investment management firm

Plan support

Governance

Our retirement savings program also includes full regulatory oversight and professional governance to support the Plan Sponsor provided by INTEGRIS Pension Management:

  • Understand CAPSA guidelines and fiduciary role on staff education and transparency
  • Update pension text to provide overall pension governance structure
  • Review Participation Agreement that outlines when / how much each employee can participate in the pension program
  • Provide ongoing reporting on investment performance and compliance with investment policy

Trusted Partners

Fund holder and custodian

Co-operators manages over $3 billion in group retirement, pension and annuity assets for plan sponsors across Canada.

Co-operators® is a registered trademark of The Co-operators Group Limited and is used with permission.

Client onboarding

Record keeping & statements

On-line support tools

The details

Why is this project so important?

Many Canadian businesses do not have a properly structured retirement savings program or even offer this benefit

For effective employee attraction & retention, ‘financial wellness’ benefits must be prioritized

Employees need their savings to generate strong growth and then sustain them in retirement – they need professional investment support.

Employers need support to monitor their pension regulatory responsibilities

Give your employees the most important benefit of all – the opportunity to help them increase the growth of their retirement savings

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equate Pension plan sponsor

What you can expect from our Group Retirement Savings Program:

Improved Investment Performance

Professional management helping support all employees

Lower Investment Risk

The benefit of portfolio diversification means less volatility

Plan Governance

Plan sponsors receive full support on all aspects of overseeing their retirement program

Plan Administration

Exceptional support for members, employers, and advisors

We are an independent investment firm with clients across Canada.

We are registered as a portfolio manager and investment fund manager with the Provincial Securities Regulators.

We specialize in building portfolios to provide better outcomes for our clients in superior performance and lower risk.

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