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 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...
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...
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...
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...
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
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

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

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