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August 23, 2012

Ottawa should rethink the tax rules for Pooled Registered Pension Plans (PRPPs) or they will not realize their potential to be a good pension savings vehicle for Canadians, according to a report released today by the C.D. Howe Institute. In “Pooled Registered Pension Plans: Pension Savior – or a New Tax on the Poor?” authors James Pierlot and Alex Laurin show that PRPPs should be avoided by many low- to mid-income Canadians, and also that they could be vastly improved by changes to proposed tax rules.

“As currently proposed, PRPPs present only the appearance of reform because they are for the most part a re-release of an existing retirement savings vehicle –RRSPs – with a new coat of paint,” said James Pierlot, a pension specialist and member of the Pension Policy Council of the C.D. Howe Institute.


Alexandre Laurin

Alexandre is the Director of Research and leads the fiscal policy program and the pension policy program at the C.D. Howe Institute. He joined the C.D. Howe Institute in 2008 and became Director of Research in 2014. From 1999 to 2008, Mr.