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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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Workplace Pensions

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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...

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...

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...

DC Plans and the ORPP: Why Fees Matter
May 11, 2016 - Barry Gros and James Pierlot

A flaw in the design of the Ontario Retirement Pension Plan (ORPP) could unfairly penalize employers as well as the people the plan intends to help, according to a new C.D. Howe Institute report....

Worse Than It Looks: The True Burden and Risks of Federal Employee Pension Plans

Ottawa’s unfunded liabilities for employee pensions stood at $269 billion at the end of the 2015 fiscal year, far larger than reported, according to a new C.D. Howe Institute study. In “Worse Than...

Ottawa’s Secret Debt: The Burden and Risks of Federal Employee Pensions

The unfunded liability in the pension plans for federal government employees was $90 billion higher than the reported number in 2013/14, says a new report from the C.D. Howe Institute. In “Ottawa’...

A lesson from the Sears disaster: We must fund pensions properly - Globe and Mail Op-Ed
Op-Ed
The bankruptcy of Sears Canada, and the threat that its underfunded pension plan won't pay what it promised, has caught the attention of members of Parliament. Understandably so. People don't get a...
William B.P. Robson - Lesson from the Sears Disaster: Fund Pensions Properly!
Intelligence Memos
From: William B.P. Robson To: Members of Parliament and pension regulators Date: November 7, 2017 Re: Lesson from the Sears Disaster: Fund Pensions Properly! The bankruptcy of Sears Canada, and the...
Bob Baldwin - In the “DB” Pension Plans Versus “DC” Debate, TB Plans Have Plenty of Appeal
Intelligence Memos
From: Bob Baldwin To: Legislators and Public at Large Date: December 19, 2016 Re: In the “DB” pension plans versus “DC” debate, TB plans have plenty of appeal Advocates for pure defined benefit (DB)...
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.