Solving the Decumulation Dilemma: Smart Solutions for Plan Sponsors

As Canada's workforce shifts from saving to spending, the conversation around retirement plan design is evolving. Plan sponsors are no longer just focused on helping members accumulate assets—they're being asked to support a complex and often misunderstood stage of the retirement journey: decumulation. With longevity risk, market volatility, and a limited toolkit available in most capital accumulation plans (CAPs), helping retirees make their savings last is one of the most pressing—and complicated—challenges today. 

This white paper from TD Asset Management, “The Tools to Tackle the DC Decumulation Dilemma,” explores how plan sponsors can enhance outcomes for members by rethinking traditional retirement strategies. It dives into innovative approaches that integrate private alternatives, manage sequence of return risk, and align with diverse retirement goals like income stability, growth, and capital flexibility. Whether you're a pension consultant, benefits manager, or institutional decision-maker, this paper offers actionable insights to support your members' evolving needs. 

What you’ll learn from this white paper: 

• The five competing goals retirees face—and how trade-offs can undermine outcomes 
• How sequence of return risk can quietly erode retirement savings 
• Why higher Sharpe Ratios are essential in today’s retirement planning landscape 
• The case for introducing private alternatives into defined contribution (DC) retirement solutions 
• A 10-year case study of the TD Greystone Retirement Plus Fund and its real-world impact 
• What new tools like Variable Payment Life Annuities (VPLAs) can work alongside dynamic withdrawal strategies 

Don’t let outdated strategies define your members’ futures. 
Download the white paper now and discover the tools to turn the decumulation dilemma into an opportunity for better retirement outcomes!