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.

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Retirement Saving and Income

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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.

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...
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. In...
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 It...
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)...
It Turns out Canadians are a lot Richer than We Think: Financial Post Op-Ed
Op-Ed
We have often heard that Canadians are unprepared for retirement. Low interest rates have meant low returns to saving and have accelerated the demise of defined-benefit pension plans in the private...
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...
02 Feb 2017
Feb
02
  • Inside Access: Saving and Investing as National Priorities for Canada in 2017
Conference Call with Bill Robson, President and Chief Executive Officer, C.D. Howe Institute
Conference Call
Thursday, February 2, 2017,
3:00 pm to 3:30 pm
03 Nov 2016
Nov
03
  • Kevin Uebelein, Chief Executive Officer, AIMCo
Roundtable Luncheon
Calgary, 421 7 Ave SW #4000
Thursday, November 3, 2016,
12:00 pm to 1:30 pm
Sponsored by:
TD Bank Group
29 Sep 2016
Sep
29
  • CPP Enhancement: Winners and Losers
Roundtable Luncheon with Jeff Aarssen, Alex Laurin, and Tammy Schirle
Toronto, 67 Yonge Street, Suite 300
Thursday, September 29, 2016,
12:00 pm to 1:30 pm
Sponsored by:
Conference for Advanced Life Underwriting

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

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