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235 Pierre Lortie, "A Major Setback for Retirement Savings: Changing How Financial Advisers Are Compensated Could Hurt Less-Than-Wealthy Investors Most University of Calgary School of Public Policy Research Papers, Vol.
We anticipate that some of these impacts could be alleviated to some extent by innovations in technology, including various forms of online advice, which could be used by dealers and their representatives to automate part of the advice process.
Related regulatory initiatives and other alternatives We are aware of the view of many fund industry participants that mutual fund fee reforms may be unnecessary in the wake of recent reforms aimed at improving investor awareness and understanding of fees and performance under the CSA's.Now that we have looked at the potential overall and specific market impacts of the discontinuation of embedded commissions, we discuss how this policy pizza dough rewards change may address our identified concerns.At the end of 2015, Canadian households held.5 trillion or 40 of their aggregate financial wealth in investment fund securities and.2 trillion or 32 of aggregate wealth in cash and cash equivalents.49 mfda dealers with 80 or more of their mutual fund assets held in funds managed by an affiliate were considered proprietary only.If this approach was implemented, the CSA would expect the requirement to make all embedded costs, which would include the sales commissions paid on DSC options, an expense of the fund to: necessitate the separation of purchase options into individual series (leading to the same.143 Industry stakeholders have submitted that lower-wealth investors in a fund benefit financially from the current embedded commission structure because the cost of providing advice and services to lower-wealth investors is subsidized by the higher-wealth investors in the fund who pay more on account.Issue 2 - Embedded commissions limit investor awareness, understanding and control of dealer compensation costs CSA CP 33-404 was not designed to address Issue.Or is it the distributor, who in the main, secures access to the end-consumer for the provider?Each would entail one-time costs.The fund facts aims to improve fee transparency by disclosing, in summary form, the costs of buying, owning, and selling conventional mutual fund securities.Investment funds, like most securities, are more frequently owned by households with higher levels of accumulated financial wealth The distribution of fund ownership, like the distribution of financial wealth generally, skews toward households with higher levels of investable assets.Unlike disclosure, which only requires delivery and not understanding, the discontinuation of embedded commissions requires the representative to engage in an in-depth discussion with the client and obtain the client's agreement upfront in order to get paid.Similar to the push toward online advisory services for investors with less than 100,000 to invest, it is possible that some "buy-and-hold" investors may be moved into fee-based accounts when transaction-based fees may be better weird unicorn gifts for their circumstances (we note that this shift is already.111 Discretionary management means a form of investment management in which a portfolio manager has the authority to make investment decisions for a client's account, including the discretion to trade in securities for the account without requiring the client's express consent to a transaction (ref.Embedded commissions can reduce the investment fund manager's focus on fund performance, which can lead to underperformance Investment fund managers who pay embedded commissions to dealers may be incented to rely more on those payments than on generating performance to attract and preserve assets under.Whether or not this shift is a benefit to investors depends on whether investors or dealer firms are driving the change.Should the CSA further consider using a fee cap as a transition measure?Moreover, the CSA is not prepared to cap commissions due to the potential unintended consequences that may result from a cap.This option would also cause the CSA to take a non-traditional role of setting fee caps for investment products, rather than implementing measures intended to promote market efficiency.
Therefore, we do not anticipate the same obstacles to the development of new lower-cost distribution models in Canada after the discontinuation of embedded commissions.




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