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.

Headed for the Poorhouse: How to Ensure Seniors Don’t Run Out of Cash before They Run Out of Time
January 23, 2018 - Bonnie-Jeanne MacDonald
With Canadians living longer, running out of savings in old age is a real possibility, according to a new report from the C.D. Howe Institute. In “Headed for the Poorhouse: How to Ensure Seniors Don’...
The Fiscal Implications of Canadians’ Working Longer
November 21, 2017 - William B.P. Robson, Colin Busby and Aaron Jacobs
Canada’s greying workforce will spell big fiscal trouble for future taxpayers, according to a new C.D. Howe Institute report. In “The Fiscal Implications of Canadians’ Working Longer,” authors...
Rethinking Limits on Tax-Deferred Retirement Savings in Canada
November 7, 2017 - William B.P. Robson
Ottawa should raise contribution limits for savers in RRSPs and defined-contribution plans, according to a new C.D. Howe Institute report. In Rethinking Limits on Tax-Deferred Retirement Savings in...
Premium Compensation: The Ballooning Cost of Federal Government Employees
The cost of federal employees has risen rapidly, with total compensation per employee jumping nearly 5% per year on average over the past decade, says a new report from the C.D. Howe Institute. In “...
Greener Pastures: Resetting the Age of Eligibility for Social Security Based on Actuarial Science
April 11, 2017 - Robert L. Brown and Shantel Aris
With retirees living longer and the working-age population remaining relatively stable, the growing demand for financial support in retirement will potentially strain social security programs,...
Bigger CPP, Bigger Risks: What “Fully Funded” Expansion Means and Doesn’t Mean
Younger Canadians are at a material risk of picking up the tab should the soon-to-be expanded Canada Pension Plan experience investment return shortfalls, according to a new C.D. Howe Institute...
Laurin, Robson - We Need Deeds, Not Words, to Make the New Canada Pension Plan Financially Secure
Intelligence Memos
From: Alexandre Laurin and Bill Robson To: Young Canadians Date: December 18, 2017 Re:  We Need Deeds, Not Words, to Make the New Canada Pension Plan Financially Secure Cannabis taxation garnered...
William B.P. Robson - The “Factor of Nine” Crushes Retirement Saving Opportunities – Let’s Pension it Off
Intelligence Memos
From: William B.P. Robson To:  Canadians Struggling to Save for Retirement Date: November 13, 2017 Re: The “Factor of Nine” Crushes Retirement Saving Opportunities – Let’s Pension it Off Ottawa...
A lesson from the Sears disaster: We must fund pensions properly - Globe and Mail Op-Ed
Op-Ed
The bankruptcy of Sears Canada, and the threat that its underfunded pension plan won't pay what it promised, has caught the attention of members of Parliament. Understandably so. People don't get a...
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...
08 Mar 2018
Mar
08
  • ESG: The Way forward for Institutional Investments?
Roundtable Luncheon with Ron Mock
Toronto, 67 Yonge Street, Suite 300
Thursday, March 8, 2018, 12:00 pm to 1:30 pm
23 Jan 2018
Jan
23
  • Inside Access: Ensuring Secure Income Later in Life for Canadians: A Government-Led Solution
Conference Call with Dr. Bonnie-Jeanne Macdonald, Senior Research Fellow, National Institute on Ageing (Ryerson University) and Resident Scholar, Eckler Ltd.
Conference Call
Tuesday, January 23, 2018, 3:00 pm to 3:30 pm
23 Nov 2017
Nov
23
  • Inside Access: The Fiscal Implications of Canadians’ Working Longer
Conference Call with Colin Busby, Associate Director, Research, C.D. Howe Institute
Conference Call
Thursday, November 23, 2017, 3:00 pm to 3:30 pm

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© 2014 C.D. Howe Institute. All Rights Reserved.

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© 2014 C.D. Howe Institute. All Rights Reserved.