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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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Deferring Receipt of Public Pension Benefits: A Tool for Flexibility
June 26, 2018 - Antoine Genest-Grégoire, Luc Godbout, René Beaudry and Bernard Morency

June 26, 2018 – Retirement savers would benefit from greater flexibility and security with a longer Canada and Québec Pension Plans (C/QPP) deferral period, according to a new report by the C.D....

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...

Inflated Expectations: More Immigrants Can’t Solve Canada’s Aging Problem on Their Own
March 13, 2018 - William B.P. Robson and Parisa Mahboubi

Higher immigration can ease, but not entirely mitigate, the impacts of demographic change on the workforce, according to a new report from the C.D. Howe Institute. In “Inflated Expectations: More...

Who Loses Most? The Impact of Taxes and Transfers on Retirement Incomes
November 13, 2014 - Alexandre Laurin and Finn Poschmann

Low income seniors face extremely heavy tax burdens across Canada, according to a new C.D. Howe Institute report. In “Who Loses Most? The Impact of Taxes and Transfers on Retirement Incomes,”...

Later Retirement: The Win-Win Solution
March 27, 2012 - Peter Hicks

Over the coming two decades, people are likely to stay in the workforce much longer – by about five years – according to a report from the C.D. Howe Institute. In “Later Retirement: The Win-Win...

What to do About Seniors’ Benefits in Canada: The Case for Letting Recipients Take Richer Payments Later
March 13, 2012 - William B.P. Robson

Ottawa should move to reform seniors’ benefits in the upcoming budget by letting recipients choose richer payments, later, from the Old Age Security and Guaranteed Income Supplement programs if...

Immigration alone can’t keep Canada young - Globe and Mail Op-Ed
Op-Ed
Canada is getting older. Not just us Canadians as individuals, but our population as a whole. Our fertility rate dropped below the replacement rate of 2.1 required for population stability way back...

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