“The CPP Fund has a critical purpose – to help Canadians build financial security in retirement. CPPIB’s long-term objective is to invest the Fund assets to maximize returns without undue risk of loss having regard to the factors that may affect the funding of the CPP.” – from CPPIB 2017 Annual Report
The value of CPP Investment Board in the quote above is also what I believe in. As an investor who is passionate about long-term assets valuations and giving back to the society, CPPIB is always a community I would like to be a part of. I believe I am a good fit for the fundamental investment analyst position as I am enthusiastic, focused and high integrity with an intellectual curiosity in learning new stuff. My past investing experience and
Can We Keep Our Promises? The purpose of this paper is to provide a summary of the article called “Can We Keep Our Promises?” by Robert D. Arnott, and to help better understand the three key risks facing each investor. Robert Arnott describes risk and return as “having two sides of the same coin” meaning risk is inseparable from return. Arnott points out the most important risks that are faced by managers of company pension plans: underperforming other corporate pension funds (their peers), losing money (mostly associated with portfolio standard deviation or volatility), and underperforming the values of pension obligations and therefore losing actuarial ground.
You have received a variety of key features documents to help you decide which pension product to have. If you have any queries regarding the key features documents, or anything about this suitability report then please do not hesitate to contact us. This document should be kept with your client agreement, and these documents were given to you at your last meeting.
"Our Core Principles - Edward Jones: Making Sense of Investing." Edward Jones. Web. 12 Apr.
(U) Subject: Discuss the Intelligence Preparation of the Battlefield (IPB) Process, steps one through four.
Investment opportunities with pension plan members to offer them additional services (cross-over), as well as to reinvest their pension plan earnings after they retire (roll-over);
...our NFP can leverage the recently acquired $150,000 and turn it into $1,000,000, in capital funds, $144,100 in In-kind donations from partnerships, and nearly $710,000 in Per Diem that supports our annual operations for Veterans programs, which will enable them to win the “war at home” and achieve their full potential in all areas of their life. As a result, accomplishing this mission proves to provide a maximum ROI from both a financial and personal standpoint.
CCIB received an Emergency Response Referral (0939-8157-9070-9073930) from the RP reporting that Logan reported that Renata restrained when he attempted to leave the foster home. RP reported Logan stated that Renata grabbed both his forearms with her hands, which resulted in bruises to his both his forearms. RP reported that he observed bruises on both his left and right forearms. RP reported that the bruises appeared to be turning green and looked as if they were in the healing stages. RP reported that Ms. Marshall denied causing the bruises and grabbing Logan by his forearms. Ms. Marshall also stated that Logan sustained the bruises from banging his forearms on the front screen door and bars on her front window. RP reported that Ms. Marshall
Abstract: OBJECTIVE: Review and the understanding of the make-up of the WHO ICF model. Application of WHO ICF model in stroke management (WHO, 2006). Case Presentation: This is a case of 60-year-old African American widowed female( 5years) presented with a medical diagnosis of cerebrovascular disease secondary to right intracerebral hemorrhage and found to have right arteriovenous malformation .No residual AVM post op. Onset date was April 11/2014.Past medical history of depression is otherwise patient without significant past medical history. Family History: Diabetes and hypertension. The previous level of function: the patient was independent w/ her
There are many trends aiding in the reshaping of Canada’s pension plan industry – going from greater employer interest in sharing or off-loading pension risk to an increased concentration on de-risking.10 An increasing amount of Canadian employees are switching from Defined Benefit plans by removing the DB option for new employees or by introducing a “soft or hard freeze”, according to Borden Ladner Gervais lawyer, James Fu.11 As DB plans are on the decline, Canadian industries are experiencing a growth in capital accumulation plans, such as voluntary retirement savings plans (VRSPs) and pooled registered pension plans (PRPPs) – new contracts designed mostly for the sake of the self-employed and for those employees lacking in workplace pension plans.12 In contrast, Canada’s Research-Based Pharmaceutical Companies assigned IMS Brogan to research and provide an estimation of the overall private drug costs for 2013 to 2017.13 Their report said that Canadian private pharmaceuticals plan drugs cost (such as wholesale and pharmacy makeup plus ingredients costs) should exhibit a growth of a compounded annual rate of 1.6% to 2.8%.14 Following the decrease in interest and benefits in pension plans, the Canada Pension Plan benefits have been increased by up to 1.2% for those already part of it.15 As seen in the article, Canadian companies large or small, are trending towards dropping the DB and DC pension plans and creating a more suitable hybrid program, involving DB and DC pensions
The Canadian Social Security system is broken down into three levels: Old Age Security (OAS), The Canada Pension Plan (CPP), and the private pension/savings. The first level (OAS) provides citizens that meet certain residence requirements with a modest monthly pension once they reach the retirement age of 65 (Totrov, 2014). Under the Canadian Social Security system, all citizens that meet the retirement age automatically receive retirement benefit. OAS is fina...
This report examines the Joint Comprehensive Plan of Action (JCPOA) agreed upon on July 14, 2015 between Iran and the P5+1, which includes the U.S., U.K., France, China, Russia and Germany. The agreement fosters a temporary solution in which the P5+1 removed crippling economic sanctions in return for the cease of Iran’s nuclear development. Great powers recognize the threat that Iran poised to the universal vital interest of worldwide peace and established sustainable international relationships to maintain leverage over Iran. However, the JCPOA contains deficiencies that challenge long term restrictions and inhibit the enforcement of implications upon Iran for violations. First, the sunset clause, “Permits critical nuclear, arms, and ballistic
The department of Developmental Education is tasked each year with coming up with the following years budget and this year I was given that task. The Dean has given us a very hard task and that is that we have to cut 10% of our budget for next year. My task is to come up with five strategies that help in reducing our budget by 10% just for the following year, two of them will have to present a permanent change to our current budget and the ones to follow. This was a very tough decision, as many items have to be considered. I have given it a lot of thought and this is what I came up with, I will also explain which one of the strategies I think works best for our department and the institution.
... a bigger segment for instance the low and average income earners. Therefore, P’kolino Company needs to invest more in terms of capital since it may need to spend huge finances at the early stages as compared to later stages. Additionally, if P’kolino Company fails to meet the targeted sales, it needs extra capital for the provision purposes.
Finance is a field that had always fascinated me right from my undergraduate college days. What make me interested in this particular field of study are the art of finance and the complexity of investment market which would allow me to employ my personal skills, such as analytical and communication skills, along with my personal characteristics such as dedication and compassion for what I do. As one of the most important sector in the world, I believe it would provide me with a broad range of career options.
“If you owe your bank a hundred pounds, you have a problem; but if you owe it a million, it has.(1)”