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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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.

November 17, 2015  –  Pair CAP Income Tracker and Living Standard Replacement Ratio for clearer retirement picture
 

The replacement income level generated by Eckler’s Capital Accumulation Plan Income Tracker (CAPit) dropped slightly in the third quarter of 2015, from 60% to 59% due to continued falling interest rates. CAPit allows plan sponsors to see the impact of changing investment markets and interest rates on a typical CAP member’s ability to replace their gross income.

September 15, 2015  –  CAP Income Tracker reveals the cost of indexation and certainty
 

The latest results of Eckler’s Capital Accumulation Plan Income Tracker (CAPit) show the replacement income level generated by a typical capital accumulation plan (CAP) remains at 60%, as investment markets and interest rates continue to struggle.