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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


Un allongement des périodes de report du RRQ/RPC et de la PSV profiterait à ceux qui épargnent en vue de la retraite
June 26, 2018 - Antoine Genest-Grégoire, Luc Godbout, René Beaudry and Bernard Morency

Ceux qui épargnent en vue de la retraite profiteraient de plus de flexibilité et de sécurité financière grâce à une période de report plus longue pour leurs prestations de la sécurité de la...

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...

William B.P. Robson - The “Factor of Nine” Crushes Retirement Saving Opportunities – Let’s Pension it Off
Intelligence Memos
(Today, we revisit an Intelligence Memo with a smart policy recommendation.) From: William B.P. Robson To:  Bill Morneau, Minister of Finance Date: July 31, 2018 Re: The “Factor of Nine” Crushes...
Bonnie-Jeanne MacDonald - After 85: How Pooled Risk Insurance Can Give Seniors Financial Protection
Intelligence Memos
From: Bonnie-Jeanne MacDonald To: Middle Class Baby Boomers Date: July 27, 2018 Re: After 85: How Pooled Risk Insurance Can Give Seniors the Financial Protection They Want and Need (In a midsummer...
Let Canadians defer public pensions to age 75 — it would save them tens of thousands - Financial Post Op-Ed
Canadians want a reliable retirement income so they can enjoy life without worrying about outliving their savings. They also want flexibility so they can adapt to changing circumstances, particularly...
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...
© 2019 C.D. Howe Institute. All Rights Reserved.
© 2019 C.D. Howe Institute. All Rights Reserved.