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.

The Bigger Picture: How the Fourth Pillar Impacts Retirement Preparedness
September 27, 2016 - Jeremy Kronick and Alexandre Laurin
Fourth-pillar assets significantly improve the outlook for Canadian households’ retirement readiness, according to a new report from the C.D. Howe Institute. In “The Bigger Picture: How the Fourth...
Assessing the Retirement Income Prospects of Canada’s Future Elderly: A Review of Five Studies
September 20, 2016 - Bob Baldwin
Five different studies on the level of preparedness of Canada’s future retirees have some common conclusions, according to a new report from the C.D. Howe Institute. In “Assessing the Retirement...
The Pressing Question: Does CPP Expansion Help Low Earners?
July 13, 2016 - Kevin Milligan and Tammy Schirle
Low earners stand to gain little from an expanded Canada Pension Plan (CPP), according to a new C.D. Howe Institute report. In “The Pressing Question: Does CPP Expansion Help Low Earners?”, authors...
How Spending Declines with Age, and the Implications for Workplace Pension Plans
June 16, 2016 - Frederick Vettese
The spending habits of retirees in Canada and other developed countries demonstrate a strong tendency for personal consumption to decline with advancing age, according to a new report from the C.D....
DC Plans and the ORPP: Why Fees Matter
May 11, 2016 - Barry Gros and James Pierlot
A flaw in the design of the Ontario Retirement Pension Plan (ORPP) could unfairly penalize employers as well as the people the plan intends to help, according to a new C.D. Howe Institute report. In...
Worse Than It Looks: The True Burden and Risks of Federal Employee Pension Plans
Ottawa’s unfunded liabilities for employee pensions stood at $269 billion at the end of the 2015 fiscal year, far larger than reported, according to a new C.D. Howe Institute study. In “Worse Than It...
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...
William B.P. Robson - Lesson from the Sears Disaster: Fund Pensions Properly!
Intelligence Memos
From: William B.P. Robson To: Members of Parliament and pension regulators Date: November 7, 2017 Re: Lesson from the Sears Disaster: Fund Pensions Properly! The bankruptcy of Sears Canada, and the...
26 Sep 2017
Sep
26
  • RPC/RRQ bonifié : Quelle est la suite?/Enhanced C/QPP: what's next?
Dîner-conférence/Roundtable Luncheon - René Beaudry, Serge Charbonneau, Bernard Morency et/and Michel St-Germain
Montréal, 1145 Union Avenue
Tuesday, September 26, 2017, 12:00 pm to 1:30 pm
13 Apr 2017
Apr
13
  • Inside Access: Should Canada Raise the Age of Eligibility for Social Security?
Conference Call with Robert Brown, Professor Emeritus, University of Waterloo; and Shantel Aris, MMath (Actuarial Science) Actuarial Analyst
Thursday, April 13, 2017, 3:00 pm to 3:30 pm
06 Apr 2017
Apr
06
  • Bigger CPP, Bigger Risks: What “Fully Funded” Expansion Means and Doesn’t Mean
Conference Call with Bill Robson, President and CEO, C.D. Howe Institute; and Alex Laurin, Director of Research, C.D. Howe Institute
Conference Call
Thursday, April 6, 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.