The Institute

The Founder of the Institute, John Por PhD, even after 30 years of consulting experience with similar matters, found it almost impossibleto efficiently convert his assets into retirement income.

His 18-month long research identified a) what is the state of art in the current Canadian DC decumulation practice, b) what leading academics and practitioners (R. Merton, Z. Bodie, M. Milevsky, M. Hamilton, D. Ezra, etc.) say should be done, and, finally, c) what could be done today, given the Canadian product and regulatory landscape.

Driven by personal experience and a dire need by plan sponsors and retiring members to achieve efficient conversion of assets into income, he founded the Decumulation Institute in May 2014.

Our Mission is to identify, document, promote and, most importantly, apply “best practices” in turning DC plans and CAPs into efficient income generators.

We work with all industry players (sponsors, record keepers, consultants, investment professionals) to this effect.


John T. Por, PhD


Our Mission is to identify, document, promote and, most importantly, apply “best practices” in turning DC plans and CAPs into efficient income generators.