Building the perfect retirement plan
What does the future hold for the retirement and pensions industry?
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Retirement Insights
Maximizing government benefits – When to take CPP/OAS
Timing plays a big role when it comes to getting the most out of your government benefits in retirement. It’s something many people don’t realize when they decide to take their Canada Pension Plan (CPP) and Old Age Security (OAS) benefits as soon as they can, instead of taking them at a later age.
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Don’t let big insurance companies “roll over” you
In choosing or managing a workplace retirement plan, one question that employers should be asking is what happens to employees after they leave or retire.
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3 practical policy solutions to help Canadians buffer financial risks
Canada’s economy is doing well, our unemployment rate is at its lowest level in decades, and the average net worth of Canadians is increasing.
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Making life more affordable through efficient retirement savings
In its fall economic statement, the federal government launched a consultation on how best to strengthen retirement security for Canadians.
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An RRSP is not a product
The retirement industry has a problem. We are obsessed with regulatory categories. When people talk about the kind of retirement plan they have, they inevitably talk about the regulatory category.
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Fixing the U.S. retirement system – Does Canada have the answers?
The Brookings Institution, a leading American policy think tank, invited Common Wealth and Canada’s top public sector pension plans, Healthcare of Ontario Pension Plan (HOOPP)
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Designing retirement plans for modest earners
Canadians are earning income in non-traditional roles – the gig economy. What impact will this have on workplace retirement programs and how Canadians save?
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Rethinking retirement security for modest earners
When I used to work on issues of retirement security and pension policy for the Ontario government, one refrain became so common that it was largely taken for granted by my colleagues and me:
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Finally: a retirement plan for modest earners
Over the past year, Common Wealth has had the opportunity to partner with SEIU Healthcare, an Ontario-based union, to design and implement a new retirement plan called My65+.
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