Pensions and Retirement

The federal government and several provinces want to expand the Canada Pension Plan. If they do, working Canadians will be contributing more to the CPP. But the arguments favouring CPP expansion are based on some incorrect (or at least, debatable) claims. Here are the five common claims used to argue for CPP expansion—and why they are myths that must be refuted.

— Jun 5, 2018
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Understanding the Regulatory Framework Governing Private and Public Pensions

Understanding the Regulatory Framework Governing Private and Public Pensions finds that private pensions are subject to far more rules and regulations than the Canada Pension Plan (CPP), are more complex in their make-up and face higher costs as a result.

— May 3, 2018
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Expansion of the Canada Pension Plan and the Unintended Effect on Domestic Investment

Expansion of the Canada Pension Plan and the Unintended Effect on Domestic Investment finds that by increasing the Canada Pension Plan payroll tax, the federal and provincial governments will inadvertently shrink the pool of money available for investments in Canada—potentially up to $114 billion by 2030.

— Nov 23, 2017
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The Age of Eligibility for Public Retirement Programs in the OECD

The Age of Eligibility for Public Retirement Programs in the OECD finds that Canada is out of step with most major industrialized countries—and the other G7 nations—which are increasing the age of eligibility for public retirement programs. In fact, of the 22 high-income industrialized countries (apart from Canada) in the Organization for Economic Co-operation and Development (OECD), 18 of them—82 per cent—are increasing the age of eligibility for government retirement programs.

— Oct 31, 2017
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Canada’s Aging Population and Implications for Government Finances

Canada’s Aging Population and Implications for Government Finances finds that the aging population will put significant stress on government spending programs and could increase deficits for federal and provincial governments to an estimated $143 billion by 2045—three and a half times larger than total federal and provincial government deficits in 2017.

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