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.

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...
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 (...
Robson and Laurin - Investment Risks in an Expanded CPP
Intelligence Memos
From: Alexandre Laurin and William Robson To: Participants in the Canada Pension Plan Date: September 7, 2017 Re: Investment Risks in an Expanded CPP Our report in April, Bigger CPP, Bigger Risks,...
Deciding when Canadians get seniors benefits has become too political. Here’s how to stop that: Financial Post Op-Ed
Op-Ed
Low fertility rates, increasing life expectancies and the aging of baby boomers are causing Canada’s old-age dependency ratio to rise. This increase in pensioners relative to the working-age...
Ambachtsheer & Leech - Time for Innovation in Federal Government-Sponsored Workplace Pension Plans
Intelligence Memos
From: Keith Ambachtsheer and Jim Leech To: The Honourable Bill Morneau, Minister of Finance Date: March 14, 2017 Re: Time for Innovation in Federal Government-Sponsored Workplace Pension Plans A...
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
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

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