About the C.D. Howe Institute

The C.D. Howe Institute is an independent not-for-profit research institute whose mission is to raise living standards by fostering economically sound public policies. Widely considered to be Canada's most influential think tank, the Institute is a trusted source of essential policy intelligence, distinguished by research that is nonpartisan, evidence-based and subject to definitive expert review.

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Retirement Saving and Income

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This research area covers policies, including tax and other incentives or disincentives, affecting Canadians' retirement savings, assesses current developments in pension policies and regulations, and makes recommendations towards ensuring the adequacy and integrity of pensions and other income for Canadians in or approaching retirement.

Less Debt, More Growth: A Shadow Federal Budget for 2019
February 7, 2019 - William B.P. Robson and Alexandre Laurin
February 7 – Ottawa should spur growth through better tax competitiveness and get back into the black by curbing overspending, says the C.D. Howe Institute’s annual Shadow Federal Budget. In “Less...
Managing Uncertainty: The Search for a Golden Discount-Rate Rule for Defined-Benefit Pensions
January 31, 2019 - Stuart Landon and Constance Smith
Public-Sector pensions are using risky projections to calculate their future liabilities, according to a new report from the C.D. Howe Institute. In “Managing Uncertainty: The Search for a Golden...
Longer Living Retirees Need Insurance Option for Financial Risk
September 18, 2018 - Don Ezra
Longer living retirees need the option of pure longevity insurance, according to new report published by the C.D. Howe Institute. In “Making the Money Last: The Case for Offering Pure Longevity...
Making the Money Last: The Case for Offering Pure Longevity Insurance to Retiring Canadians
September 18, 2018 - Don Ezra
Longer living retirees need the option of pure longevity insurance, according to new report published by the C.D. Howe Institute. In “Making the Money Last: The Case for Offering Pure Longevity...
Rich Man, Poor Man: The Policy Implications of Canadians Living Longer
August 23, 2018 - Kevin Milligan and Tammy Schirle
A longevity gap between rich and poor has persisted over the years in Canada with significant policy implications, according to a new report from the C.D. Howe Institute. In “Rich Man, Poor Man: The...
Deferring Receipt of Public Pension Benefits: A Tool for Flexibility
June 26, 2018 - Antoine Genest-Grégoire, Luc Godbout, René Beaudry and Bernard Morency
June 26, 2018 – Retirement savers would benefit from greater flexibility and security with a longer Canada and Québec Pension Plans (C/QPP) deferral period, according to a new report by the C.D. Howe...
Robson, Laurin - Tax Relief for the 2019 Federal Budget
Intelligence Memos
To: The Honourable Bill Morneau, Minister of Finance From: William B.P. Robson and Alexandre Laurin Date: February 11, 2019 Re: Tax Relief for the 2019 Federal Budget   The C.D. Howe Institute’s...
Hold the panic: Maybe Canadians aren’t facing a debt insolvency crisis after all - Financial Post Op-Ed
Op-Ed
For much of the last decade, Canadians have been told their debt levels were unsustainable and that their day of reckoning was fast approaching. Data recently released by the Office of the...
Landon, Smith - Discount Rates Matter and Here’s Why
Intelligence Memos
From: Stuart Landon and Constance Smith To: Canada’s Pension Regulators Date: February 4, 2019 Re: Discount Rates Matter and Here’s Why Our new C.D. Howe Institute Commentary examines how the choice...
Une vision globale : Comment le quatrième pilier affecte la préparation à la retraite
Research
Les actifs du quatrième pilier peuvent améliorer considérablement les perspectives de préparation à la retraite des ménages canadiens, selon un nouveau rapport de l'Institut C.D. Howe. Dans «  Une...
07 Feb 2019
Feb
07
  • Inside Access: Managing Uncertainty - The Search for a Golden Discount-Rate Rule for Defined-Benefit Pensions
Exclusive Members Only Call with author Stuart Landon
Thursday, February 7, 2019, 3:00 pm to 3:30 pm
01 Nov 2018
Nov
01
  • The Value of a Good Pension: How to Improve the Efficiency of Retirement Savings in Canada
Roundtable Luncheon with Jim Keohane and Alex Mazer
Toronto, 67 Yonge Street, Suite 300
Thursday, November 1, 2018, 12:00 pm to 1:30 pm
27 Sep 2018
Sep
27
  • Inside Access: Making the Money Last - The Case for Offering Pure Longevity Insurance to Retiring Canadians
An exclusive members only conference call with author Don Ezra
Thursday, September 27, 2018, 3:30 pm to 4:00 pm
© 2019 C.D. Howe Institute. All Rights Reserved.
© 2019 C.D. Howe Institute. All Rights Reserved.