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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...

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...
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.