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.

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...
The Benefits of Hindsight: Lessons from the QPP for Other Pension Plans
October 1, 2015 - Luc Godbout, Suzie St-Cerny and Yves Trudel
The experience of the Quebec Pension Plan (QPP) offers serious lessons for new public pension plan options, in particular the pending Ontario Retirement Pension Plan (ORPP) and Canada Pension Plan (...
Drawing Down Our Savings: The Prospects for RRIF Holders Following the 2015 Federal Budget
The 2015 federal budget’s reduction of the mandatory minimum withdrawals from registered retirement income funds (RRIFs) and similar tax-deferred accounts will reduce the risk that many Canadians...
Do Canadians Save Too Little?
June 4, 2015 - Malcolm Hamilton
Reports that Canadians are undersaving for their retirements are exaggerated, according to a new report released today by the C.D. Howe Institute. In “Do Canadians Save Too Little?,” author Malcolm...
Bob Baldwin - In the “DB” Pension Plans Versus “DC” Debate, TB Plans Have Plenty of Appeal
Intelligence Memos
From: Bob Baldwin To: Legislators and Public at Large Date: December 19, 2016 Re: In the “DB” pension plans versus “DC” debate, TB plans have plenty of appeal Advocates for pure defined benefit (DB)...
It Turns out Canadians are a lot Richer than We Think: Financial Post Op-Ed
Op-Ed
We have often heard that Canadians are unprepared for retirement. Low interest rates have meant low returns to saving and have accelerated the demise of defined-benefit pension plans in the private...
Ottawa is ignoring the changing realities of the retirement age - Globe and Mail Op-Ed
Op-Ed
Earlier this week, The Globe and Mail revealed internal research by government officials showing a global trend toward older normal pension ages, with most OECD countries’ target policy retirement...
02 Feb 2017
Feb
02
  • Inside Access: Saving and Investing as National Priorities for Canada in 2017
Conference Call with Bill Robson, President and Chief Executive Officer, C.D. Howe Institute
Conference Call
Thursday, February 2, 2017, 3:00 pm to 3:30 pm
03 Nov 2016
Nov
03
  • Kevin Uebelein, Chief Executive Officer, AIMCo
Roundtable Luncheon
Calgary, 421 7 Ave SW #4000
Thursday, November 3, 2016, 12:00 pm to 1:30 pm
Sponsored by:
TD Bank Group
29 Sep 2016
Sep
29
  • CPP Enhancement: Winners and Losers
Roundtable Luncheon with Jeff Aarssen, Alex Laurin, and Tammy Schirle
Toronto, 67 Yonge Street, Suite 300
Thursday, September 29, 2016, 12:00 pm to 1:30 pm
Sponsored by:
Conference for Advanced Life Underwriting

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

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