Laurin, Robson – Seniors Double Whammy: A Sagging Market and Obsolete Pension Rules
From: Alexandre Laurin and William B.P. Robson To: The Department of Finance Canada Date: July 11, 2022 Re: Seniors Double Whammy: A Sagging Market and Obsolete Pension Rules Prices are rising and stock markets are falling – a toxic combination, especially for older Canadians who rely on savings in registered retirement saving plans (RRSPs) and defined-contribution pension plans, and […]Bob Baldwin – Retirement Looks Rosier, But Not for Everyone
From: Bob Baldwin To: Canadians Concerned About Retirement Date: June 14, 2022 Re: Retirement Looks Rosier, But Not for Everyone Canadians nearing retirement age have seen a doubling in the median value of both their assets and net worth over the period from 1999 to 2019. This is a doubling in value that is net of inflation – it […]The Evolving Wealth of Canadians: Who Is Better Fixed for Retirement? Who is Not?
Rising Wealth of Canadians Boosts Retirement – For Some Canadians nearing retirement age have seen a doubling in the median value of both their assets and net worth since 1999, and real median family incomes were up 1.2 times, making retirement prospects seem rosier – but not equally for all, according to a new C.D. […] Alexandre Laurin – Pension-Related Tax Rule Changes for Budget 2022
To: Finance Minister Chrystia Freeland From: Alexandre Laurin Date: April 5, 2022 Re: Pension-Related Tax Rule Changes for Budget 2022 Retirees and workers nearing retirement will be looking to tax-rule changes to improve retirement security in your budget on Thursday. Policy attention to the decumulation phase of retirement savings can improve Canadians’ retirement and tax laws and regulations are […] Barry Gros – We Need to Align Regulation and Management of Target-Benefit Pension Plans
From: Barry Gros To: Canada’s Pension Regulators Date: March 23, 2022 Re: We Need to Align Regulation and Management of Target-Benefit Pension Plans How should Canada regulate a target payment that is not guaranteed? This question is seldom asked, let alone answered, when it comes to setting standards for regulating target-benefit pension plans (TBPs.) Managing risk under target-benefit plans […] The Challenges Facing Target-Benefit Plans: Changes Are Needed to Provincial Pension Standards
Target-Benefit Pension Rules Totally Disconnected from Plans, Regulatory Hurdles Stifle Success Target-Benefit Plans (TBPs) are being hampered by a disconnect between how they are regulated and how they are managed, states a new study from the C.D. Howe Institute. In “The Challenges Facing Target-Benefit Plans: Changes Are Needed to Provincial Pension Standards,” author Barry […] Bob Baldwin – Learning From Cpp Valuation Reports
From: Bob Baldwin To: Canada’s pension regulators Date: March 2, 2021 Re: Learning from CPP Valuation Reports When it comes to Canada’s retirement income system, the Canada Pension Plan is the elephant in the room. At the provincial and federal level, debates are active on issues such as the adequacy of CPP benefits, the eligibility age for CPP retirement […] James Pierlot – Ontario’s Pension Benefits Guarantee Fund: A Practical Way Forward
From: James Pierlot To: Ontario Ministry of Finance Date: February 11, 2021 Re: Ontario’s Pension Benefits Guarantee Fund: A Practical Way Forward The only sub-national pension guarantee fund in the world, Ontario’s Pension Benefits Guarantee Fund (PBGF) has survived 40 years, providing a limited guarantee for Ontario members of some underfunded defined benefit […] Alexandre Laurin – Is The Canada Pension Plan In A Net Asset Position? No, And It’s Not Supposed To Be
From: Alexandre Laurin To: Canadian Pension Watchers Date: December 17, 2020 Re: Is the Canada Pension Plan in a Net Asset Position? No, and it’s Not Supposed to Be Analysts often report that the Canada Pension Plan (CPP), and its parallel Quebec Pension Plan (QPP), are in a substantial “net asset” position. Canadians did accumulate […] Sources of Comfort and Chills: What We Can Learn from CPP Valuation Reports
Uncertainties Loom for Canada Pension Plan Uncertainties lie ahead for the Canada Pension Plan that could lead to higher contribution rates or lower benefits. Author Bob Baldwin looks at Canada Pension Plan (CPP) valuation reports and explores the financial sustainability of the CPP under various risk scenarios. “I have deep-seated concerns that the risks involved […] Miville Tremblay – L’infrastructure N’est Pas Simple, Mais Les Régimes De Retraite Peuvent Aider
De la part de: Miville Tremblay A l’attention de: Observateurs d’infrastructure Date: 4 décembre, 2020 Subject: L’infrastructure n’est pas simple, mais les régimes de retraite peuvent aider Je ne cherche pas à vous vendre le pont Samuel-De Champlain, croyez-moi! Seulement à vous convaincre qu’il est opportun de considérer le financement des infrastructures publiques par les caisses de retraite, […] Les caisses de retraite reluquent nos infrastructures – La Presse Opinion
Je ne cherche pas à vous vendre le pont Samuel-De Champlain, croyez-moi ! Seulement à vous convaincre qu’il est opportun de considérer le financement des infrastructures publiques par les caisses de retraite, qui ont besoin de ces actifs pour assurer le paiement de nos rentes.
Il y a quelques jours, Mark Machin, le patron d’Investissements RPC, qui gère les 457 milliards de dollars du Régime de pension du Canada, le grand frère du Régime des rentes du Québec, lui géré par la Caisse de dépôt, a suggéré que les gouvernements à court d’argent devraient vendre les aéroports, les routes à péage, les sociétés de services public et autres infrastructures publiques.
« Il y a tellement de capital qui court…