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        <title>Segal Insights - Home</title>
        <link>https://www.segalco.ca/</link>
        <pubDate>Mon, 18 May 2026 20:01:50 GMT</pubDate>
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        <description>Home</description>
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                    <item>
                        <title>Ontario Premium Tax on Employee Life and Health Trusts</title>
                        <link>https://www.segalco.ca/consulting-insights/ontario-premium-tax-on-employee-life-and-health-trusts/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Thu, 14 May 2026 13:26:08 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/ontario-premium-tax-on-employee-life-and-health-trusts/</guid>
                        <description>Ontario’s premium tax changes could reshape how ELHT benefit plans are taxed. See implications for contributions, compliance and plan design.</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Health</category>
                            <category>Compliance</category>
                    </item>
                    <item>
                        <title>Markets Commentary First Quarter 2026</title>
                        <link>https://www.segalco.ca/consulting-insights/markets-commentary-first-quarter-2026/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Fri, 24 Apr 2026 14:13:44 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/markets-commentary-first-quarter-2026/</guid>
                        <description>Canadian and global equities outperformed the U.S. in Q1 as breadth improved. See how geopolitics and central bank policy shaped results.</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Investment</category>
                            <category>Retirement</category>
                    </item>
                    <item>
                        <title>Risk-Management Guideline for Plan Administrators</title>
                        <link>https://www.segalco.ca/consulting-insights/risk-management-guideline-for-plan-administrators/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Thu, 26 Feb 2026 23:49:56 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/risk-management-guideline-for-plan-administrators/</guid>
                        <description>This guideline covers various risks pension plans face, including third-party service providers, cybersecurity, investment governance and ESG factors.</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Retirement</category>
                            <category>Communications</category>
                            <category>Benefits administration</category>
                            <category>Technology</category>
                            <category>Investment</category>
                    </item>
                    <item>
                        <title>Guideline for Capital Accumulation Plans</title>
                        <link>https://www.segalco.ca/consulting-insights/guideline-for-capital-accumulation-plans/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Fri, 27 Feb 2026 23:36:32 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/guideline-for-capital-accumulation-plans/</guid>
                        <description>The guideline covers responsibilities of CAP sponsors, administrators and service providers, industry best practices and information for CAP members.</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Communications</category>
                            <category>Retirement</category>
                            <category>Benefits administration</category>
                    </item>
                    <item>
                        <title>Markets Commentary Fourth Quarter 2025</title>
                        <link>https://www.segalco.ca/consulting-insights/markets-commentary-fourth-quarter-2025/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Mon, 26 Jan 2026 19:34:02 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/markets-commentary-fourth-quarter-2025/</guid>
                        <description>Canadian markets advanced in Q4 2025 as Materials and Financials strengthened. See how trends and Bank of Canada policy may affect retirement plans.</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Investment</category>
                            <category>Retirement</category>
                    </item>
                    <item>
                        <title>Numbers Retirement Plan Sponsors Need to Know for 2026</title>
                        <link>https://www.segalco.ca/consulting-insights/numbers-retirement-plan-sponsors-need-to-know-for-2026/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Fri, 14 Nov 2025 15:12:01 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/numbers-retirement-plan-sponsors-need-to-know-for-2026/</guid>
                        <description>Get the 2026 CRA limits for Canadian pension plans — including MP, DB, RRSP, DPSP, YMPE and YAMPE — in Segal’s November Briefing.</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Retirement</category>
                            <category>Compliance</category>
                    </item>
                    <item>
                        <title>Markets Commentary: Third Quarter 2025</title>
                        <link>https://www.segalco.ca/consulting-insights/markets-commentary-third-quarter-2025/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Wed, 22 Oct 2025 20:35:23 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/markets-commentary-third-quarter-2025/</guid>
                        <description>Canadian markets soared in Q3 2025, led by gold miners and tech stocks. Discover how these trends and rate cuts may impact retirement plans.</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Retirement</category>
                            <category>Investment</category>
                    </item>
                    <item>
                        <title>Artificial Intelligence and Plan Governance Considerations</title>
                        <link>https://www.segalco.ca/consulting-insights/artificial-intelligence-and-plan-governance-considerations/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Thu, 21 Aug 2025 17:17:11 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/artificial-intelligence-and-plan-governance-considerations/</guid>
                        <description>Whether you prohibit or embrace workplace AI use, you need to develop a policy that provides clear guidance to your staff and mitigates risks.</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Public sector</category>
                            <category>Built environment</category>
                            <category>Higher education</category>
                            <category>Hospitals</category>
                            <category>Multiemployer plans</category>
                            <category>Technology</category>
                    </item>
                    <item>
                        <title>Selecting the Right AI Vendor for Your Organization</title>
                        <link>https://www.segalco.ca/consulting-insights/selecting-the-right-ai-vendor-for-your-organization/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Wed, 20 Aug 2025 20:25:43 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/selecting-the-right-ai-vendor-for-your-organization/</guid>
                        <description>Whether you’re starting to explore AI or refining your vendor selection process, our practical roadmap helps you make a smart, future-ready choice.</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Technology</category>
                            <category>Multiemployer plans</category>
                            <category>Public sector</category>
                            <category>Hospitals</category>
                            <category>Higher education</category>
                            <category>Built environment</category>
                    </item>
                    <item>
                        <title>Creative Ways to Use AI for Member Communications</title>
                        <link>https://www.segalco.ca/consulting-insights/creative-ways-to-use-ai-for-member-communications/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Wed, 20 Aug 2025 20:28:09 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/creative-ways-to-use-ai-for-member-communications/</guid>
                        <description>See five ways benefits managers can use generative AI to improve member communications in 2025.</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Technology</category>
                            <category>Communications</category>
                            <category>Public sector</category>
                            <category>Hospitals</category>
                            <category>Higher education</category>
                            <category>Built environment</category>
                            <category>Multiemployer plans</category>
                    </item>
                    <item>
                        <title>Markets Commentary Second Quarter 2025</title>
                        <link>https://www.segalco.ca/consulting-insights/markets-commentary-second-quarter-2025/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Wed, 16 Jul 2025 17:45:13 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/markets-commentary-second-quarter-2025/</guid>
                        <description>Canadian markets rebounded in Q2 2025. See how these trends could shape investment strategies for retirement plan sponsors.</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Investment</category>
                            <category>Retirement</category>
                    </item>
                    <item>
                        <title>Markets Commentary  First Quarter 2025</title>
                        <link>https://www.segalco.ca/consulting-insights/markets-commentary-first-quarter-2025/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Wed, 16 Jul 2025 15:36:31 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/markets-commentary-first-quarter-2025/</guid>
                        <description>Our review includes an analysis of the story behind equity, fixed income and commodities performance during the quarter.</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Retirement</category>
                            <category>Investment</category>
                    </item>
                    <item>
                        <title>Tariff Uncertainty Continues</title>
                        <link>https://www.segalco.ca/consulting-insights/tariff-uncertainty-continues/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Thu, 15 May 2025 13:08:14 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/tariff-uncertainty-continues/</guid>
                        <description>Get investor perspective and recaps on the administration’s latest executive tariff actions and market reaction to date.</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Investment</category>
                    </item>
                    <item>
                        <title>AI and Employee Benefits Communication Whats Working Now and Whats Ahead</title>
                        <link>https://www.segalco.ca/consulting-insights/ai-and-employee-benefits-communication-whats-working-now-and-whats-ahead/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Thu, 18 Sep 2025 19:10:38 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/ai-and-employee-benefits-communication-whats-working-now-and-whats-ahead/</guid>
                        <description>Watch a webinar on AI and employee benefits communication to learn how to create clearer, more engaging and personalized communications.</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Technology</category>
                            <category>Benefits administration</category>
                            <category>Communications</category>
                    </item>
                    <item>
                        <title>Q4 2024 Investment Market Update</title>
                        <link>https://www.segalco.ca/consulting-insights/q4-2024-investment-market-update/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Thu, 27 Feb 2025 15:54:43 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/q4-2024-investment-market-update/</guid>
                        <description>Our review includes an analysis of the story behind equity, fixed income and commodities performance during the quarter.</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Retirement</category>
                            <category>Investment</category>
                    </item>
                    <item>
                        <title>How the Government of Canadas Interpretation of the Canada Health Act Could Impact Virtual Care</title>
                        <link>https://www.segalco.ca/consulting-insights/how-the-government-of-canadas-interpretation-of-the-canada-health-act-could-impact-virtual-care/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Mon, 24 Feb 2025 21:38:07 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/how-the-government-of-canadas-interpretation-of-the-canada-health-act-could-impact-virtual-care/</guid>
                        <description>The Canada Health Act (CHA) Services Policy would effectively prohibit Canadian employer-sponsored benefits plans from covering virtual healthcare.</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Compliance</category>
                            <category>Health</category>
                    </item>
                    <item>
                        <title>Numbers Retirement Plan Sponsors Need to Know for 2025</title>
                        <link>https://www.segalco.ca/consulting-insights/numbers-retirement-plan-sponsors-need-to-know-for-2025/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Fri, 24 Jan 2025 19:26:17 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/numbers-retirement-plan-sponsors-need-to-know-for-2025/</guid>
                        <description>The Canada Revenue Agency has announced the 2025 retirement plan limits and thresholds. Get them all in a convenient, at-a-glance comparison table.</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Retirement</category>
                            <category>Compliance</category>
                    </item>
                    <item>
                        <title>Ontarios Permanent Framework for MEPPs</title>
                        <link>https://www.segalco.ca/consulting-insights/ontarios-permanent-framework-for-mepps/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Tue, 29 Oct 2024 21:26:05 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/ontarios-permanent-framework-for-mepps/</guid>
                        <description>The Ontario Ministry of Finance has filed regulations for a target benefit framework for multi-employer pension plans (MEPPs) registered in Ontario.</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Compliance</category>
                            <category>Retirement</category>
                    </item>
                    <item>
                        <title>Alberta Amends Calculation of PfAD That Applies to TBPs</title>
                        <link>https://www.segalco.ca/consulting-insights/alberta-amends-calculation-of-pfad-that-applies-to-tbps/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Mon, 12 Aug 2024 15:33:07 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/alberta-amends-calculation-of-pfad-that-applies-to-tbps/</guid>
                        <description>See the new PfAD calculation for Alberta target benefit plans, including 4 factors trustees should consider to determine the supplementary percentage.</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Compliance</category>
                            <category>Retirement</category>
                    </item>
                    <item>
                        <title>Amendments to the Pension Benefits Standards Act and Regulations</title>
                        <link>https://www.segalco.ca/consulting-insights/amendments-to-the-pension-benefits-standards-act-and-regulations/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Mon, 12 Aug 2024 18:14:43 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/amendments-to-the-pension-benefits-standards-act-and-regulations/</guid>
                        <description>Amendments to the Pension Benefits Standards Act are now in effect, including a new funding framework and funding and governance policy requirements.</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Retirement</category>
                            <category>Compliance</category>
                    </item>
                    <item>
                        <title>Guidance on Permanent Framework for Multi-Employer Pension Plans</title>
                        <link>https://www.segalco.ca/consulting-insights/guidance-on-permanent-framework-for-multi-employer-pension-plans/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Tue, 06 Aug 2024 15:23:30 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/guidance-on-permanent-framework-for-multi-employer-pension-plans/</guid>
                        <description>Multi-employer pension plans: Read our overview of the Ontario Ministry of Finance’s proposed new funding benefit framework and conversion process.</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Compliance</category>
                            <category>Retirement</category>
                            <category>Multiemployer plans</category>
                    </item>
                    <item>
                        <title>Guidance on Pension Plan Amendments</title>
                        <link>https://www.segalco.ca/consulting-insights/guidance-on-pension-plan-amendments/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Mon, 05 Aug 2024 15:14:30 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/guidance-on-pension-plan-amendments/</guid>
                        <description>The Financial Services Regulatory Authority of Ontario (FSRA) has released its final Pension Plan Amendments Guidance; get details and next steps.</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Retirement</category>
                            <category>Compliance</category>
                    </item>
                    <item>
                        <title>Guidance on Information Technology Risk Management</title>
                        <link>https://www.segalco.ca/consulting-insights/guidance-on-information-technology-risk-management/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Fri, 26 Jul 2024 19:16:13 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/guidance-on-information-technology-risk-management/</guid>
                        <description>The guidance includes seven practices for effective IT risk management and outlines the process for notifying FSRA in the event of an IT risk incident</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Compliance</category>
                            <category>Technology</category>
                    </item>
                    <item>
                        <title>Corporate Governance Developments in Canada</title>
                        <link>https://www.segalco.ca/consulting-insights/corporate-governance-developments-in-canada/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Wed, 03 Jul 2024 14:54:35 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/corporate-governance-developments-in-canada/</guid>
                        <description>Our latest insight provides a recap of recent corporate governance developments in Canada. Learn what you can do to stay ahead of the curve.</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Investment</category>
                    </item>
                    <item>
                        <title>Rollout of Services Under the New Canadian Dental Care Plan</title>
                        <link>https://www.segalco.ca/consulting-insights/rollout-of-services-under-the-new-canadian-dental-care-plan/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Thu, 25 Jul 2024 00:35:52 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/rollout-of-services-under-the-new-canadian-dental-care-plan/</guid>
                        <description>Canadian plan sponsors: Get details on the new Canadian Dental Care Plan (CDCP), including eligibility criteria, rollout, covered services and more.</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Health</category>
                            <category>Compliance</category>
                    </item>
                    <item>
                        <title>After a Year that Upended Most Expectations More Surprises May Lie Ahead</title>
                        <link>https://www.segalco.ca/consulting-insights/after-a-year-that-upended-most-expectations-more-surprises-may-lie-ahead/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Fri, 16 Feb 2024 15:02:53 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/after-a-year-that-upended-most-expectations-more-surprises-may-lie-ahead/</guid>
                        <description>2023 upended expectations in the financial markets. Are there more surprises ahead in 2024? Get our insights in the February 2024 Investment Outlook.</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Investment</category>
                    </item>
                    <item>
                        <title>Numbers Retirement Plan Sponsors Need to Know for 2024</title>
                        <link>https://www.segalco.ca/consulting-insights/numbers-retirement-plan-sponsors-need-to-know-for-2024/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Mon, 08 Apr 2024 22:19:35 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/numbers-retirement-plan-sponsors-need-to-know-for-2024/</guid>
                        <description>2024 retirement plan limits and thresholds: Get the implications of the new maximums and thresholds in a convenient, at-a-glance comparison table.</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Compliance</category>
                            <category>Investment</category>
                            <category>Retirement</category>
                    </item>
                    <item>
                        <title>Ontarios Second Consultation on a Permanent Framework for Multi-Employer Pension Plans</title>
                        <link>https://www.segalco.ca/consulting-insights/ontarios-second-consultation-on-a-permanent-framework-for-multi-employer-pension-plans/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Thu, 25 Jul 2024 00:35:31 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/ontarios-second-consultation-on-a-permanent-framework-for-multi-employer-pension-plans/</guid>
                        <description>Ontario MEPP sponsors, prepare for big changes in governance, communication and funding as 2nd consultation on target benefit regulations unfolds. </description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Retirement</category>
                            <category>Compliance</category>
                    </item>
                    <item>
                        <title>Investment Outlook Glass Half Full or Glass Half Empty</title>
                        <link>https://www.segalco.ca/consulting-insights/investment-outlook-glass-half-full-or-glass-half-empty/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Fri, 12 Apr 2024 21:00:40 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/investment-outlook-glass-half-full-or-glass-half-empty/</guid>
                        <description>Looking at the investment picture for the rest of 2023, is the glass half full (soft landing) or half empty (recession)? Get our Investment Outlook. </description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Investment</category>
                    </item>
                    <item>
                        <title>Proposed Amendments to the Pension Benefits Standards Regulations</title>
                        <link>https://www.segalco.ca/consulting-insights/proposed-amendments-to-the-pension-benefits-standards-regulations/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Mon, 08 Apr 2024 22:01:37 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/proposed-amendments-to-the-pension-benefits-standards-regulations/</guid>
                        <description>The Department of Finance has proposed significant changes to the Pension Benefits Standards Act and the Regulation for negotiated contribution plans.</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Retirement</category>
                            <category>Compliance</category>
                    </item>
                    <item>
                        <title>Ontario’s Consultation on a New Funding Regime for Multi-Employer Pension Plans</title>
                        <link>https://www.segalco.ca/consulting-insights/ontario-s-consultation-on-a-new-funding-regime-for-multi-employer-pension-plans/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Thu, 25 Jul 2024 00:35:14 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/ontario-s-consultation-on-a-new-funding-regime-for-multi-employer-pension-plans/</guid>
                        <description>Ontario’s Ministry of Finance proposes regulations for implementing a permanent target benefit framework for Multi-Employer Pension Plans (MEPPs).</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Retirement</category>
                            <category>Compliance</category>
                            <category>Multiemployer plans</category>
                    </item>
                    <item>
                        <title>2023 The Year of the Rabbit Investment Outlook</title>
                        <link>https://www.segalco.ca/consulting-insights/2023-the-year-of-the-rabbit-investment-outlook/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Fri, 12 Apr 2024 20:51:11 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/2023-the-year-of-the-rabbit-investment-outlook/</guid>
                        <description>As tough as 2022 was for financial assets, it has set up a very positive starting point for 2023. Get our insights in our latest Investment Outlook.</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Investment</category>
                    </item>
                    <item>
                        <title>Ontario Drug Benefit Program Changes Biologics Coverage</title>
                        <link>https://www.segalco.ca/consulting-insights/ontario-drug-benefit-program-changes-biologics-coverage/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Mon, 08 Apr 2024 21:51:24 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/ontario-drug-benefit-program-changes-biologics-coverage/</guid>
                        <description>Learn more about Ontario’s new policy on the use of biosimilars and see how this change might affect your plan.</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Health</category>
                            <category>Compliance</category>
                    </item>
                    <item>
                        <title>Q4 2022 Investment Outlook Gloomy and More Uncertain</title>
                        <link>https://www.segalco.ca/consulting-insights/q4-2022-investment-outlook-gloomy-and-more-uncertain/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Fri, 12 Apr 2024 21:04:23 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/q4-2022-investment-outlook-gloomy-and-more-uncertain/</guid>
                        <description>Given the gloom in 2022, it’s hard to imagine a scenario in which markets turn bullish this year. </description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Investment</category>
                    </item>
                    <item>
                        <title>Q3 2022 Investment Outlook: Perspectives on a Challenging Year</title>
                        <link>https://www.segalco.ca/consulting-insights/q3-2022-investment-outlook-perspectives-on-a-challenging-year/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Fri, 12 Apr 2024 21:15:17 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/q3-2022-investment-outlook-perspectives-on-a-challenging-year/</guid>
                        <description>We look at two behavioral theories and perspectives on a challenging year.</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Investment</category>
                    </item>
                    <item>
                        <title>2021 Corporate Governance Report</title>
                        <link>https://www.segalco.ca/consulting-insights/2021-corporate-governance-report/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Fri, 12 Apr 2024 21:18:00 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/2021-corporate-governance-report/</guid>
                        <description>Get guidance on climate action plans, SPACs and PBCs.</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Investment</category>
                    </item>
                    <item>
                        <title>Q1 2022 Investment Outlook</title>
                        <link>https://www.segalco.ca/consulting-insights/q1-2022-investment-outlook/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Fri, 12 Apr 2024 21:30:21 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/q1-2022-investment-outlook/</guid>
                        <description>What happens when the Fed stops spiking the punch with fiscal stimulus? Will the longest-running party in history be over?</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Investment</category>
                    </item>
                    <item>
                        <title>Q4 2021 Investment Outlook</title>
                        <link>https://www.segalco.ca/consulting-insights/q4-2021-investment-outlook/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Mon, 29 Nov 2021 22:02:04 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/q4-2021-investment-outlook/</guid>
                        <description>Given all the activity this autumn in the world of economics, politics and investing, it feels like we are on the edge of something, but it is unclear</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Investment</category>
                    </item>
                    <item>
                        <title>Q3 2021 Investment Outlook</title>
                        <link>https://www.segalco.ca/consulting-insights/q3-2021-investment-outlook/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Thu, 19 Aug 2021 16:41:35 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/q3-2021-investment-outlook/</guid>
                        <description>The U.S. equity remains a solid performer. But the impact of COVID-19 resurgence creates a large unknown for equity markets outside the U.S. </description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Investment</category>
                    </item>
                    <item>
                        <title>budget 2021 ME Plans</title>
                        <link>https://www.segalco.ca/consulting-insights/budget-2021-me-plans/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Mon, 12 Jul 2021 20:38:39 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/budget-2021-me-plans/</guid>
                        <description>In its 2019 Budget, the government proposed changes to the Income Tax Act that would impact specified multi-employer pension plans (SMEPs).</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Retirement</category>
                    </item>
                    <item>
                        <title>July 2021 Pension News</title>
                        <link>https://www.segalco.ca/consulting-insights/july-2021-pension-news/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Wed, 07 Jul 2021 16:49:24 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/july-2021-pension-news/</guid>
                        <description>This latest issue of Governance Update reviews news affecting pension plans.</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Retirement</category>
                    </item>
                    <item>
                        <title>direction q1 2021</title>
                        <link>https://www.segalco.ca/consulting-insights/direction-q1-2021/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Tue, 04 May 2021 17:12:46 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/direction-q1-2021/</guid>
                        <description>During the first quarter (Q1) of 2021, the funded status of Segal’s model multi-employer pension plan (MEPP) increased to 103 percent.</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Retirement</category>
                            <category>Multiemployer plans</category>
                    </item>
                    <item>
                        <title>build vs buy software</title>
                        <link>https://www.segalco.ca/consulting-insights/build-vs-buy-software/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Wed, 07 Apr 2021 14:05:32 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/build-vs-buy-software/</guid>
                        <description>Are your technology initiatives better implemented using Commercial Off-the-Shelf Software (COTS), or by building your own custom system?</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Benefits administration</category>
                            <category>Multiemployer plans</category>
                            <category>Public sector</category>
                    </item>
                    <item>
                        <title>Ontario FSRA Guidance Webinar</title>
                        <link>https://www.segalco.ca/consulting-insights/ontario-fsra-guidance-webinar/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Wed, 28 Apr 2021 17:56:46 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/ontario-fsra-guidance-webinar/</guid>
                        <description>Our webinar discusses this new guidance and the impact it may have on your plan.</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Retirement</category>
                            <category>Multiemployer plans</category>
                    </item>
                    <item>
                        <title>New FSRA Guidance for DB MEPPs</title>
                        <link>https://www.segalco.ca/consulting-insights/new-fsra-guidance-for-db-mepps/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Wed, 17 Mar 2021 17:37:47 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/new-fsra-guidance-for-db-mepps/</guid>
                        <description>Learn more about the new guidance and what actions trustees should take regarding their plans.</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Retirement</category>
                            <category>Multiemployer plans</category>
                    </item>
                    <item>
                        <title>Q1 2021 investment outlook</title>
                        <link>https://www.segalco.ca/consulting-insights/q1-2021-investment-outlook/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Thu, 25 Feb 2021 18:14:07 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/q1-2021-investment-outlook/</guid>
                        <description>Are we in the early stages of recovery after the pandemic or back to the late-stage environment we experienced in late 2019? </description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Investment</category>
                    </item>
                    <item>
                        <title>direction q4 2020</title>
                        <link>https://www.segalco.ca/consulting-insights/direction-q4-2020/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Tue, 16 Feb 2021 17:25:31 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/direction-q4-2020/</guid>
                        <description>During the last quarter (Q4) of 2020, the funded status of Segal’s model multi-employer pension  plan (MEPP) increased to 94 percent.</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Retirement</category>
                            <category>Multiemployer plans</category>
                    </item>
                    <item>
                        <title>Q3 2020 Investment Outlook Update</title>
                        <link>https://www.segalco.ca/consulting-insights/q3-2020-investment-outlook-update/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Thu, 19 Nov 2020 20:58:48 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/q3-2020-investment-outlook-update/</guid>
                        <description>Put recent market developments in perspective. </description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Investment</category>
                    </item>
                    <item>
                        <title>direction q3 2020</title>
                        <link>https://www.segalco.ca/consulting-insights/direction-q3-2020/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Thu, 12 Nov 2020 15:21:33 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/direction-q3-2020/</guid>
                        <description>Q3 reports show the funded status of Segal’s model multi-employer pension plan (MEPP) increased to 89 percent.</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Investment</category>
                            <category>Multiemployer plans</category>
                    </item>
                    <item>
                        <title>third party cyber risk</title>
                        <link>https://www.segalco.ca/consulting-insights/third-party-cyber-risk/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Thu, 08 Apr 2021 17:34:36 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/third-party-cyber-risk/</guid>
                        <description>Your cybersecurity program is great. How about your business partners’ programs?</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Technology</category>
                    </item>
                    <item>
                        <title>Future of Work</title>
                        <link>https://www.segalco.ca/consulting-insights/future-of-work/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Thu, 17 Sep 2020 13:48:47 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/future-of-work/</guid>
                        <description>The future of work requires new capabilities, new skills, and a new way of thinking. See how we can help your organization meet these demands.</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Organizational Effectiveness</category>
                    </item>
                    <item>
                        <title>Q2 Update to the 2020 Investment Outlook</title>
                        <link>https://www.segalco.ca/consulting-insights/q2-update-to-the-2020-investment-outlook/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Thu, 20 Aug 2020 17:59:01 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/q2-update-to-the-2020-investment-outlook/</guid>
                        <description>Learn more about our global macroeconomic views and near-term performance expectations for specific asset classes.</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Investment</category>
                    </item>
                    <item>
                        <title>soft skills in workplace</title>
                        <link>https://www.segalco.ca/consulting-insights/soft-skills-in-workplace/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Wed, 19 Aug 2020 13:04:49 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/soft-skills-in-workplace/</guid>
                        <description>Digital transformations feed a growing demand for new-collar workers — individuals with both technical and soft skills. </description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Organizational Effectiveness</category>
                    </item>
                    <item>
                        <title>direction q2 2020</title>
                        <link>https://www.segalco.ca/consulting-insights/direction-q2-2020/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Fri, 23 Oct 2020 13:47:17 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/direction-q2-2020/</guid>
                        <description>Q2 reports show the funded status of Segal’s model multi-employer pension plan (MEPP) remained at 86 percent.</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Investment</category>
                            <category>Multiemployer plans</category>
                    </item>
                    <item>
                        <title>july 2020 pension news</title>
                        <link>https://www.segalco.ca/consulting-insights/july-2020-pension-news/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Wed, 22 Jul 2020 16:58:26 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/july-2020-pension-news/</guid>
                        <description>Governance Update reviews news affecting pension plans. Get the summary for July 2020. </description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Retirement</category>
                            <category>Compliance</category>
                    </item>
                    <item>
                        <title>senseless acts</title>
                        <link>https://www.segalco.ca/consulting-insights/senseless-acts/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Tue, 09 Jun 2020 19:49:48 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/senseless-acts/</guid>
                        <description>Read our CEO&#39;s statement on George Floyd, Ahmaud Arbery, Breonna Taylor, and the horrifying killings of so many others.</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                    </item>
                    <item>
                        <title>direction q1 2020</title>
                        <link>https://www.segalco.ca/consulting-insights/direction-q1-2020/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Wed, 05 Aug 2020 13:40:10 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/direction-q1-2020/</guid>
                        <description>Q1 reports show the funded status of Segal’s model multi-employer pension plan (MEPP) dropped due to COVID-19.</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Investment</category>
                            <category>Multiemployer plans</category>
                    </item>
                    <item>
                        <title>q1 2020 investment outlook update</title>
                        <link>https://www.segalco.ca/consulting-insights/q1-2020-investment-outlook-update/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Wed, 20 May 2020 19:27:11 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/q1-2020-investment-outlook-update/</guid>
                        <description>This is the first quarterly update to our 2020 Investment Outlook.</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Investment</category>
                    </item>
                    <item>
                        <title>Why You Need an RFP for Your Benefits Administration System</title>
                        <link>https://www.segalco.ca/consulting-insights/why-you-need-an-rfp-for-your-benefits-administration-system/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Thu, 08 Apr 2021 17:40:37 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/why-you-need-an-rfp-for-your-benefits-administration-system/</guid>
                        <description>Find the right system for your plan and benefits administration</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Multiemployer plans</category>
                            <category>Benefits administration</category>
                    </item>
                    <item>
                        <title>coronavirus multiemployer communications</title>
                        <link>https://www.segalco.ca/consulting-insights/coronavirus-multiemployer-communications/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Tue, 26 May 2020 16:57:59 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/coronavirus-multiemployer-communications/</guid>
                        <description>Read on to discover what you need to tell your participants about the ongoing pandemic.</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Multiemployer plans</category>
                    </item>
                    <item>
                        <title>How to Choose the Right TPA</title>
                        <link>https://www.segalco.ca/consulting-insights/how-to-choose-the-right-tpa/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Thu, 08 Apr 2021 17:38:46 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/how-to-choose-the-right-tpa/</guid>
                        <description>Getting the third party administrator that&#39;s perfect for your plan begins with an effective request for proposal.</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Technology</category>
                            <category>Health</category>
                            <category>Benefits administration</category>
                    </item>
                    <item>
                        <title>2020 investment outlook</title>
                        <link>https://www.segalco.ca/consulting-insights/2020-investment-outlook/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Fri, 21 Aug 2020 14:42:36 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/2020-investment-outlook/</guid>
                        <description>For most investors, the last decade was like a nice walk along a wooded and scenic trail that ended with double-digit equity returns for 2019.</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Investment</category>
                    </item>
                    <item>
                        <title>pension plans actuarial news</title>
                        <link>https://www.segalco.ca/consulting-insights/pension-plans-actuarial-news/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Thu, 14 May 2020 12:47:36 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/pension-plans-actuarial-news/</guid>
                        <description>This briefing looks at Actuarial Standards Board changes to how pension plans calculate commuted values. </description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Retirement</category>
                            <category>Compliance</category>
                    </item>
                    <item>
                        <title>model pension plan funding 2019</title>
                        <link>https://www.segalco.ca/consulting-insights/model-pension-plan-funding-2019/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Tue, 18 Aug 2020 16:21:05 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/model-pension-plan-funding-2019/</guid>
                        <description>Use our model plan to understand recent changes in a plan’s assets, liabilities and funded ratio, plus much more. </description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Retirement</category>
                            <category>Multiemployer plans</category>
                    </item>
                    <item>
                        <title>2019 pension news</title>
                        <link>https://www.segalco.ca/consulting-insights/2019-pension-news/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Tue, 18 Aug 2020 16:14:50 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/2019-pension-news/</guid>
                        <description>Governance Update reviews news affecting pension plans. This issue identifies news from the provinces</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Retirement</category>
                            <category>Compliance</category>
                    </item>
                    <item>
                        <title>Actuarial Services</title>
                        <link>https://www.segalco.ca/consulting-insights/actuarial-services/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Tue, 18 Aug 2020 16:43:18 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/actuarial-services/</guid>
                        <description>Our actuarial services helps your organization build a sustainable retirement plan for all of your participants.</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Retirement</category>
                    </item>
                    <item>
                        <title>end of health and welfare trusts</title>
                        <link>https://www.segalco.ca/consulting-insights/end-of-health-and-welfare-trusts/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Tue, 18 Aug 2020 16:16:57 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/end-of-health-and-welfare-trusts/</guid>
                        <description>The 2018 federal budget proposed phasing out health and welfare trusts.</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Retirement</category>
                            <category>Compliance</category>
                    </item>
                    <item>
                        <title>2019 market review q2</title>
                        <link>https://www.segalco.ca/consulting-insights/2019-market-review-q2/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Tue, 18 Aug 2020 16:39:36 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/2019-market-review-q2/</guid>
                        <description>This is the second quarterly update to our 2019 Investment Outlook</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Investment</category>
                    </item>
                    <item>
                        <title>April 2019 pension news</title>
                        <link>https://www.segalco.ca/consulting-insights/april-2019-pension-news/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Tue, 18 Aug 2020 16:16:02 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/april-2019-pension-news/</guid>
                        <description>Governance Update reviews news affecting pension plans. This September issue identifies news from the provinces and some federal entities.</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Retirement</category>
                            <category>Compliance</category>
                    </item>
                    <item>
                        <title>2019 market review q1</title>
                        <link>https://www.segalco.ca/consulting-insights/2019-market-review-q1/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Tue, 18 Aug 2020 16:35:23 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/2019-market-review-q1/</guid>
                        <description>This is the first quarterly update to our 2019 Investment Outlook</description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Investment</category>
                    </item>
                    <item>
                        <title>2019 investment outlook</title>
                        <link>https://www.segalco.ca/consulting-insights/2019-investment-outlook/</link>
                        <dc:creator>Segal</dc:creator>
                        <pubDate>Tue, 18 Aug 2020 16:29:53 GMT</pubDate>
                        <guid>https://www.segalco.ca/consulting-insights/2019-investment-outlook/</guid>
                        <description>All signs point to yes. </description>
                        <content:encoded><![CDATA[]]></content:encoded>
                            <category>Investment</category>
                    </item>
    </channel>
</rss>