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ARTICLE · 16 OCTOBER 2014

DC Decumulation Strategies And Plan Administrator/Sponsor Considerations (Part III)

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In our last post in this series, we considered whether the development of decumulation strategies for defined contribution plans may be a matter of good DC governance.

CanadaEmployment and HR
Osler, Hoskin & Harcourt LLP
Osler, Hoskin & Harcourt LLP
Jonathan Marin
Jonathan Marin
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In our last post in this series, we considered whether the development of decumulation strategies for defined contribution (DC) plans may be a matter of good DC governance. In this post, we review decumulation strategies in more detail, as well as specific considerations for plan administrator and plan sponsors.

We read Jean-Daniel Cote's excellent August 26, 2014 article in Benefits Canada  and found his list of example steps a DC plan sponsor/administrator might take with respect to decumulation to be very helpful, regardless of whether variable DC pensions are payable from the plan. We have included Jean-Daniel's list below:

  • Ask your DC provider about the retirement transition services it offers — Retirement is a big business for all of them, and most have been gearing up to ensure they capture member assets at retirement by dramatically improving their offerings, some with a team of dedicated specialists. Better than throwing your plan members to the

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