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.

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...
Un allongement des périodes de report du RRQ/RPC et de la PSV profiterait à ceux qui épargnent en vue de la retraite
June 26, 2018 - Antoine Genest-Grégoire, Luc Godbout, René Beaudry and Bernard Morency
Ceux qui épargnent en vue de la retraite profiteraient de plus de flexibilité et de sécurité financière grâce à une période de report plus longue pour leurs prestations de la sécurité de la...
Inflated Expectations: More Immigrants Can’t Solve Canada’s Aging Problem on Their Own
March 13, 2018 - William B.P. Robson and Parisa Mahboubi
Higher immigration can ease, but not entirely mitigate, the impacts of demographic change on the workforce, according to a new report from the C.D. Howe Institute. In “Inflated Expectations: More...
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...
The Regent Debate: Paul Begala - The Case for Universal Basic Income
Intelligence Memos
In the C.D. Howe Institute’s inaugural Regent Debate four prominent voices sparred over the following question: Should Western democracies, such as Canada, establish a universal basic income? Today,...
William B.P. Robson - The “Factor of Nine” Crushes Retirement Saving Opportunities – Let’s Pension it Off
Intelligence Memos
(Today, we revisit an Intelligence Memo with a smart policy recommendation.) From: William B.P. Robson To:  Bill Morneau, Minister of Finance Date: July 31, 2018 Re: The “Factor of Nine” Crushes...
Bonnie-Jeanne MacDonald - After 85: How Pooled Risk Insurance Can Give Seniors Financial Protection
Intelligence Memos
From: Bonnie-Jeanne MacDonald To: Middle Class Baby Boomers Date: July 27, 2018 Re: After 85: How Pooled Risk Insurance Can Give Seniors the Financial Protection They Want and Need (In a midsummer...
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
Sponsored by:
J.P. Morgan
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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© 2018 C.D. Howe Institute. All Rights Reserved.

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© 2018 C.D. Howe Institute. All Rights Reserved.