About the C.D. Howe Institute

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.

Get the App

Retirement Saving and Income

Share

This research area covers policies, including tax and other incentives or disincentives, affecting Canadians' retirement savings, assesses current developments in pension policies and regulations, and makes recommendations towards ensuring the adequacy and integrity of pensions and other income for Canadians in or approaching retirement.

Premium Compensation: The Ballooning Cost of Federal Government Employees
The cost of federal employees has risen rapidly, with total compensation per employee jumping nearly 5% per year on average over the past decade, says a new report from the C.D. Howe Institute. In “...
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...
Assessing the Retirement Income Prospects of Canada’s Future Elderly: A Review of Five Studies
September 20, 2016 - Bob Baldwin
Five different studies on the level of preparedness of Canada’s future retirees have some common conclusions, according to a new report from the C.D. Howe Institute. In “Assessing the Retirement...
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?”, authors...
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...
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...
26 Sep 2017
Sep
26
  • RPC/RRQ bonifié : Quelle est la suite?/Enhanced C/QPP: what's next?
Dîner-conférence/Roundtable Luncheon - René Beaudry, Serge Charbonneau, Bernard Morency et/and Michel St-Germainé
Montréal, 1145 Union Avenue
Tuesday, September 26, 2017,
12:00 pm to 1:30 pm
13 Apr 2017
Apr
13
  • Inside Access: Should Canada Raise the Age of Eligibility for Social Security?
Conference Call with Robert Brown, Professor Emeritus, University of Waterloo; and Shantel Aris, MMath (Actuarial Science) Actuarial Analyst
Thursday, April 13, 2017,
3:00 pm to 3:30 pm
06 Apr 2017
Apr
06
  • Bigger CPP, Bigger Risks: What “Fully Funded” Expansion Means and Doesn’t Mean
Conference Call with Bill Robson, President and CEO, C.D. Howe Institute; and Alex Laurin, Director of Research, C.D. Howe Institute
Conference Call
Thursday, April 6, 2017,
3:00 pm to 3:30 pm

Connect with Us

© 2014 C.D. Howe Institute. All Rights Reserved.

Connect with Us

© 2014 C.D. Howe Institute. All Rights Reserved.