Five million Canadians will turn 65 this decade. Providing employees with support to and through the decumulation phase - the drawing down of income in retirement - is essential to creating sustainable retirement income. It also helps employees achieve on-time retirement and supports organizational health.

While there is no single way to solve the decumulation challenge, Sun Life has the expertise to help navigate to and through this phase. We’ll continue to provide a spectrum of guidance, advice, tools, advocacy and thought leadership – for you and your employees.


A guide to help you learn more about Decumulation support at Sun Life.

Dynamic Pensions
Bright Paper™

Our latest bright paper report examines how Dynamic Pension pools can help employees optimize their retirement income.

Celine’s My Money in Retirement journey

The retirement journey video

Using a combination of tools and advice to plan her retirement journey, Celine achieves money for life and the security to live life her way.

Meeting the decumulation challenge through digital engagement and data

Powered by data analytics and artificial intelligence, we use personalized nudges to proactively engage employees at pivotal life moments to improve retirement outcomes. 

More digital interactions with Sun Life led to1:


higher account balances


higher contributions

1 2021 Designed for Savings Report, Sun Life Group Retirement Services 

  • December 01, 2022

    Has traditional retirement been retired?

    For many Canadians, the future of retirement will be a continuous process, not a single point in time. People are living much longer. Many are leading more active retirements that may not actually involve stopping work entirely. They may drift between retirement and the working world and back again.

  • November 23, 2022

    Are Canadians ready for long-haul retirement?

    Retirement planning is inherently an exercise in foresight. Yet people’s retirement plans can be myopic, focused too much on the early years of travel considerations and hitting the links. Often overlooked is later retirement. 

  • May 27, 2022

    Sustainable retirement income is a puzzle. Here’s how to solve it

    Take a giant puzzle, spread the pieces across your kitchen table, and try to put it together without looking at the image on the box. That’s how some people feel about retirement income planning. They don’t know how everything fits and they can’t see the big picture.

The decumulation challenge in today’s reality

In this Bright Paper we highlight some of the challenges plan members face in achieving on-time retirement, and how plan sponsors can support employees both to and through retirement. 

Read the bright paper

Designed for Savings 2023

Packed with plan data, trends and analysis, this report continues to provide the most comprehensive look at capital accumulation plans in Canada.

Read Sun Life’s flagship report on workplace retirement savings

Retirement Readiness

Key updates from our 2020 Year in Review on our commitment to engaging with plan members and supporting retirement readiness.

How to ensure plan members have the financial resources they need for on-time retirement