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Canada’s Looming Retirement Challenge: Will Future Retirees Be Able to Maintain Their Living Standards upon Retirement?
Moore, Kevin D.; Robson, William; Laurin, Alexandre - In: C.D. Howe Institute Commentary (2010) 317
A key question in Canada’s pensions debate is whether Canadians will be able to maintain their living standards in … LifePaths – a sophisticated simulation tool developed at Statistics Canada which integrates a large amount of data on the socio … age. Consistent with other research, the study finds that Canada’s retirement system has supported post …
Persistent link: https://www.econbiz.de/10008799705
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Pension Liabilities: Fear Tactics and Serious Policy
Rosnick, David; Baker, Dean - Center for Economic and Policy Research (CEPR) - 2012
This working paper argues that pension funds should adopt a funding principle that is consistent with a return on holdings conditional on the state of the stock market. As will be shown, the expected “conditional rate of return” used in making this assessment will vary depending on the...
Persistent link: https://www.econbiz.de/10009649734
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Annuities and Your Nest Egg: Reforms to Promote Optimal Annuitization of Retirement Capital
Nielson, Norma L. - In: C.D. Howe Institute Commentary (2012) 358
Retiring babyboomers are driving a shift from retirement-fund accumulation to decumulation, but they need better choices to protect against longevity risk. The author says to enhance retirees' options, policy reforms should level the playing field for annuity products and promote market-driven...
Persistent link: https://www.econbiz.de/10010855067
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Legal for Life: Why Canadians Need a Lifetime Retirement Saving Limit
Pierlot, James; Siddiqi, Faisal - In: C.D. Howe Institute Commentary (2011) 336
class” incomes, who will not receive enough pension income from programs such as Old Age Security (OAS) and the Canada …
Persistent link: https://www.econbiz.de/10009364309
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Ottawa's Pension Abyss: The Rapid Hidden Growth of Federal-Employee Retirement Liabilities
Robson, William - In: C.D. Howe Institute Commentary (2012) 370
As Canadians saving for retirement are becoming painfully aware, rates of return on investment are much lower than they used to be. As a result, providing a given income in retirement now requires much more saving. Low returns are depressing incomes from RRSPs and defined-contribution pension...
Persistent link: https://www.econbiz.de/10010633194
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Cutting Through Pension Complexity: Easy Steps Forward for the 2010 Federal Budget
Robson, William B.P. - In: C.D. Howe Institute Backgrounder (2010) 126
Ottawa has an opportunity in the 2010 Federal Budget to improve retirement saving prospects for many Canadians. In a paper released today, the author outlines straightforward, no-regrets ways Ottawa can facilitate more saving and make cost-effective risk-pooling available to the majority of...
Persistent link: https://www.econbiz.de/10008594232
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The Canada Supplementary Pension Plan (CSPP): Towards an Adequate, Affordable Pension for All Canadians (also available in French)
Ambachtsheer, Keith - In: C.D. Howe Institute Commentary (2008) 265
Canadians successfully reformed the Canada/Quebec Pension Plans in the 1990s. Now we must do the same for the rest of …
Persistent link: https://www.econbiz.de/10004972794
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Risky Assumptions: A closer Look at the Bearing of Investment Risk in Defined-Benefit Pension Plans
Pesando, James E. - In: C.D. Howe Institute Commentary (2008) 266
There is reason to question whether employers bear all – and employees none – of the investment risk in defined-benefit pension plans. So are they just defined-contribution plans in disguise?
Persistent link: https://www.econbiz.de/10005000287
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The Pension Tangle: Achieving Greater Uniformity of Pension Legislation and Regulation in Canada
Riesen, Gretchen Van - In: C.D. Howe Institute Commentary (2009) 294
Canada’s maze of differing pension regulations by province and territory discourages the creation of national, single …
Persistent link: https://www.econbiz.de/10005064214
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The Case for Trills: Giving Canadians and their Pension Funds a Stake in the Wealth of the Nation
Kamstra, Mark; Shiller, Rpbert J. - In: C.D. Howe Institute Commentary (2008) 271
This study proposes that the Government of Canada issue a new debt security, the “Trill,” which would essentially offer …-trillionth of Canada’s GDP. Similar to shares issued by corporations paying a fraction of corporate earnings in dividends, the Trill … would pay a fraction of the “earnings” of Canada. Coupon payments would rise and fall with the GDP. …
Persistent link: https://www.econbiz.de/10005403523