Canada

This website is intended for Canadian Institutional Investors only.

Our Investment Solutions

Retirement Plan Investment Solutions

So what's next for retirement plan investment solutions?

Over the last ten years, we have seen many innovations in plan design. By introducing auto-enrollment, re-enrollment and auto-escalation, the retirement industry effectively used participant inertia to help improve retirement outcomes.

In today's dynamic and challenging retirement landscape, plan sponsors have successfully effected positive change for the benefit of plan participants.

We are focused on the following key investment opportunities.

GLOBAL INVESTINGTARGET DATE FUNDS

We believe that defined contribution plan assets are under diversified from a global perspective. On average, participants’ exposure to global equity versus Canadian equity is 15% to 85%.1 This “under allocation” is even more pronounced when considering global fixed income. Not surprisingly, a driving factor is that Canadian defined contribution plans rarely offer a global fixed income option.


  1. Source: Investor Economics, Group Retirement Savings and Pensions Report 2014.

Retirement, The LifeSmart Way

Franklin LifeSmart® Portfolios is a suite of multi-asset, target-risk / target-date portfolios available to Group RRSP service providers and pension plan sponsors. Within the LifeSmart suite, we currently have 13 individual portfolios to choose from. Two additional portfolios — conservative and growth — will be available by 2018. Each portfolio — regardless of target date or target risk — has a distinct asset mix that is recalibrated over time to become more conservative as retirement approaches. This eliminates the need for plan members to monitor and adjust their portfolio on their own.

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