CAP Income Tracker

CAP Income Tracker

Eckler's new Capital Accumulation Plan Income Tracker (CAPit) measures the replacement income a member can expect when retiring from a typical CAP, and follows the results over time.

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July 23, 2018  –  How the upcoming CPP enhancements could impact your plan
 

Eckler’s Capital Accumulation Plan Income Tracker (CAPit) shows members’ gross replacement income reached a new low at March 31, 2018, falling to 58% replacement for males and 56% for females. Investment returns were down in the first quarter, driving down replacement ratios.

May 10, 2018  –  Harvesting data for better outcomes
 

Predicting retirement income levels from a DC plan with as much accuracy as possible is a complex task. Adding to the complexity of the predictive calculation is our growing appreciation that each plan member is unique and has his / her own individual retirement income needs.

So, how can we help plan members to be more successful in achieving their personal retirement income objectives?

The answer is simple: data.

Speaking of data... 

Do you measure your plan members' outcomes? Take our quick three-question poll, and see how you trend. We'll publish results in the next issue of CAPit.

November 29, 2017  –  Are your members on track?
 

Eckler’s Capital Accumulation Plan Income Tracker (CAPit) shows that members who made annual contributions of 10% starting at age 40 and retired at September 30, 2017 were able to generate a replacement ratio in retirement of 59% for males and 57% for females. This is similar to the past few quarters. But are your members on track to receive that?

August 29, 2017  –  The impact of investment strategies according to CAPit
 

Looking at Eckler’s Capital Accumulation Plan Income Tracker (CAPit), the income replacement ratio for Q2 2017 remains at 59% for males and 57% for females. Though investment returns decreased over the quarter, they were not significant enough to change the income replacement ratio.

May 11, 2017  –  The new norm: a focus on asset allocation
 

Eckler’s Capital Accumulation Plan Income Tracker (CAPit) measures the replacement income a member can expect when retiring from a typical CAP, and tracks the results over time.

February 13, 2017  –  Is your target date fund optimized to help your members achieve retirement success?
 

The Q4 trend for Eckler’s Capital Accumulation Plan Income Tracker (CAPit), which measures the gross income replacement level generated by a typical CAP, grew by 1% for both males and females over the previous quarter. This change was driven by increases in interest rates and annuity rates during the quarter.

November 21, 2016  –  How accurate is your retirement income projection tool?
 

The Q3 trend for Eckler’s Capital Accumulation Plan Income Tracker (CAPit), which measures the gross income replacement level generated by a typical CAP, remained the same as at June 30, 2016.

August 29, 2016  –  CAP Income Tracker highlights impact of volatility
 

Interest rates and market volatility can have a significant impact on retirement outcomes – especially for plan members within five or 10 years of retirement. But do you and the pre-retirees in your capital accumulation plan (CAP) really understand how these factors can affect their savings?

May 12, 2016  –  CAP Income Tracker finds women at greater risk
 

Are your plan members predominantly male or female? You might think it doesn’t matter. But, when it comes to retirement income adequacy, gender can have an impact on outcomes.

February 16, 2016  –  CAP Income Tracker shows growing importance of equity-focused investment strategies
 

Low interest rates and ongoing market volatility continue to have a profound impact on the ability of Canadian capital accumulation plan members to build adequate replacement income.