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1. Call a spade a spade—CPP payroll tax is a tax

   Our recent study found that virtually all Canadian families with children will soon pay higher taxes due to federal income tax changes already in place and forthcoming increases to the Canada Pension Plan (CPP) payroll tax. If the ...

2. Reality undercuts Trudeau government’s tax-cutting claim

   There’s no doubt that Prime Minister Justin Trudeau is being asked some tough questions on his current cross-country town hall tour. But a recent study on taxation raises yet another critical question for the prime minister. For a ...

3. Longstanding problem of discouraging work made worse

   The federal government’s new Canada Child Benefit program recently replaced and consolidated an assortment of previous programs. Yet little attention has been given to how this policy change, along with others, will exacerbate a ...

4. Australia’s system of individual retirement saving accounts vs. the collective CPP model

   Ottawa and the provinces have announced an “agreement in principle” to expand the Canada Pension Plan (CPP), requiring increased mandatory contributions from workers starting in 2019 in exchange for higher CPP retirement benefits in the ...

5. Rates of return for expanded CPP remain meagre

   Last month, Canada’s finance ministers announced an “agreement in principle” to expand the Canada Pension Plan (CPP), which will require workers to pay more into the program starting in 2019 in exchange for higher CPP retirement benefits ...

6. Clarifying assumptions in the debate about CPP expansion

   On July 13, the Financial Post published a column by noted pension expert Keith Ambachtsheer in which he offered up his latest response in our ongoing exchange about common myths regarding expansion of the Canada Pension Plan (CPP). One ...

7. So much for lower taxes on Canada’s middle class

   In the lead up to the federal election, the Liberals campaigned on cutting taxes for Canada’s middle class. Once elected, the Liberals did reduce the income tax rate on the second-lowest federal tax bracket from 22 to 20.5 per cent. ...

8. Pension expert fuels misunderstanding about benefits of CPP expansion

   The “agreement in principle” to expand the Canada Pension Plan (CPP) represents a major change to one of the key pillars of our country’s retirement income system. While we encourage an informed debate about the costs and benefits of the ...

9. Expanding the CPP unlikely to increase overall retirement savings

   Earlier this week, Canada’s finance ministers reached an “agreement in principle” on expanding the Canada Pension Plan (CPP), which starting in 2019, will require Canadian workers to contribute more to the CPP. In speaking at the joint ...

10. Myth—the CPP is a low-cost pension plan

    As the debate about the Canada Pension Plan persists, with finance minsters meeting next week in Vancouver to discuss possible CPP expansion, a misleading argument made in favour of expansion is that the CPP is a low-cost public pension ...