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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Individual Retirement Savings


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 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...

The Overlooked Option for Boosting Retirement Savings: Higher Limits for RRSPs
September 10, 2014 - Alexandre Laurin

Government policymakers should not overlook enhancing RRSPs as a way to boost retirement savings by Canadians, according to a report from the C.D. Howe Institute. In “The Overlooked Option for...

It Turns out Canadians are a lot Richer than We Think: Financial Post 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
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...
Published in the Financial Post on June 4, 2015 By Malcolm Hamilton Malcolm Hamilton is a senior fellow at the C.D. Howe Institute and a former partner with Mercer. His paper, Do Canadians Save Too...
Une vision globale : Comment le quatrième pilier affecte la préparation à la retraite
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...

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