From: Stuart Landon and Constance Smith To: Canada’s Pension Regulators Date: February 4, 2019 Re: Discount Rates Matter and Here’s Why Our new C.D. Howe Institute Commentary examines how the choice of a pension plan discount rate affects the tradeoff between the risk of holding insufficient assets to pay promised benefits and the cost of acquiring more assets. The choice of […]
In this inaugural C.D. Howe Institute Podcast , host Michael Hainsworth sits down with Institute President and CEO, Bill Robson, to discuss the fiscal future of millennials and their children. Next, Bill takes us through recent Institute rankings of municipal budgets for transparency and accuracy. Finally, we take a sneak peek at the Institute’s upcoming federal […]
Public-Sector pensions are using risky projections to calculate their future liabilities, according to a new report from the C.D. Howe Institute. In “Managing Uncertainty: The Search for a Golden Discount-Rate Rule for Defined-Benefit Pensions,” authors Stuart Landon and Constance Smith find that many pension plans use high discount rates that increase the risk they will […]
In this edition of Graphic Intelligence, we show how deferring receipt of public pension benefits can make retirement planning cheaper for Canadians. For each year of delaying take-up of C/QPP and OAS, the base benefit amounts increase. Delaying take-up of C/QPP from 60 to 70 increases base benefit amounts by 122 percent, and delaying OAS receipt […]
Federal budgets are an annual rite of spring in Ottawa, as is the deluge of advice to the Department of Finance. But budget-making is a yearlong process, and the work is now in progress. Accordingly, the C.D. Howe Institute is presenting a series of Intelligence Memos in the next few weeks, outlining recommendations that we […]
In this edition of Graphic Intelligence, we show the impact of the recent Public Accounts of Canada’s restatement of the present value of future federal employee pension obligations as of March 31, 2017. Showing the obligations of unfunded pension plans at fair-market value (now discounted at current bond yields) increased total federal debt by $34.5 […]
From: William B.P. Robson To: Members of Parliament Date: October 11, 2018 Re: Pensions of Federal Employees are Way Underfunded – Including Yours The House of Commons Committee on Government Operations and Estimates recently held hearings about the pensions for federal government employees. That is good. The federal government provides pension benefits to its employees […]
From: David Don Ezra To: Canadians facing Retirement Date: September 27, 2018 Re: Longevity Insurance, an Idea for Our Times With a large swath of babyboomers recently retired or set to retire, and many of them having placed their retirement wealth in capital accumulation plans, RRSPs not least, the time has come for governments to shift their attention to […]
Longer living retirees need the option of pure longevity insurance, according to new report published by the C.D. Howe Institute. In “Making the Money Last: The Case for Offering Pure Longevity Insurance to Retiring Canadians,” author Don Ezra explains and makes the case for the provision of longevity insurance, and argues for governments to take […]
From: Bill Robson To: Filomena Tassi, federal Minister of Seniors Date: September 10, 2018 Re: The Seniors Price Index is an Election Promise Worth Breaking Congratulations on your elevation to cabinet as Minister of Seniors. Your new portfolio looms increasingly large for the country. Growth in the senior population is outpacing growth of younger Canadians. […]
In this edition of Graphic Intelligence, we sort Canadians according to their mid-career earnings and then make comparisons of the top earners to the bottom earners and see who is living longer.. Our recent C.D. Howe report provides new evidence on the incomes and longevity of Canadians. For men, we find that those in the […]
From: Kevin Milligan and Tammy Schirle To: Canada’s Pension Administrators and Annuity Providers Date: August 24, 2018 Re: Deconstructing the Longevity Gap between Rich and Poor A longevity gap between rich and poor has persisted over the years in Canada with significant policy implications. In our new C.D. Howe Institute report, the first study of […]
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From: Stuart Landon and Constance Smith To: Canada’s Pension Regulators Date: February 4, 2019 Re: Discount Rates Matter and Here’s Why Our new C.D. Howe Institute Commentary examines how the choice of a pension plan discount rate affects the tradeoff between the risk of holding insufficient assets to pay promised benefits and the cost of acquiring more assets. The choice of […] 
In this inaugural C.D. Howe Institute Podcast , host Michael Hainsworth sits down with Institute President and CEO, Bill Robson, to discuss the fiscal future of millennials and their children. Next, Bill takes us through recent Institute rankings of municipal budgets for transparency and accuracy. Finally, we take a sneak peek at the Institute’s upcoming federal […] 
Public-Sector pensions are using risky projections to calculate their future liabilities, according to a new report from the C.D. Howe Institute. In “Managing Uncertainty: The Search for a Golden Discount-Rate Rule for Defined-Benefit Pensions,” authors Stuart Landon and Constance Smith find that many pension plans use high discount rates that increase the risk they will […] 
In this edition of Graphic Intelligence, we show the impact of the recent Public Accounts of Canada’s restatement of the present value of future federal employee pension obligations as of March 31, 2017. Showing the obligations of unfunded pension plans at fair-market value (now discounted at current bond yields) increased total federal debt by $34.5 […] 
From: William B.P. Robson To: Members of Parliament Date: October 11, 2018 Re: Pensions of Federal Employees are Way Underfunded – Including Yours The House of Commons Committee on Government Operations and Estimates recently held hearings about the pensions for federal government employees. That is good. The federal government provides pension benefits to its employees […] 
Longer living retirees need the option of pure longevity insurance, according to new report published by the C.D. Howe Institute. In “Making the Money Last: The Case for Offering Pure Longevity Insurance to Retiring Canadians,” author Don Ezra explains and makes the case for the provision of longevity insurance, and argues for governments to take […] 
In this edition of Graphic Intelligence, we sort Canadians according to their mid-career earnings and then make comparisons of the top earners to the bottom earners and see who is living longer.. Our recent C.D. Howe report provides new evidence on the incomes and longevity of Canadians. For men, we find that those in the […] 
From: Kevin Milligan and Tammy Schirle To: Canada’s Pension Administrators and Annuity Providers Date: August 24, 2018 Re: Deconstructing the Longevity Gap between Rich and Poor A longevity gap between rich and poor has persisted over the years in Canada with significant policy implications. In our new C.D. Howe Institute report, the first study of […]