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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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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...

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...

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?”,...

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...

William B. P. Robson - Ontario’s Latest Turn in the Vicious Circle of Government Pension Guarantees
Intelligence Memos
  From: William B. P. Robson To: Canada's Pension Regulators Date: February 9, 2018 Re: Ontario’s Latest Turn in the Vicious Circle of Government Pension Guarantees The trauma of pensioners left...
Laurin, Robson - We Need Deeds, Not Words, to Make the New Canada Pension Plan Financially Secure
Intelligence Memos
From: Alexandre Laurin and Bill Robson To: Young Canadians Date: December 18, 2017 Re:  We Need Deeds, Not Words, to Make the New Canada Pension Plan Financially Secure Cannabis taxation garnered...
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,...
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...

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

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