Retirement

Family financial security

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. If we look more closely at the financial health of Canadian households, though, the numbers tell a contrasting story. Technological change, globalization and automation have transformed Canada’s labour market, and rising …

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Saving for the future

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. The consultation is welcome. The recent enhancement to the Canada Pension Plan, a years-long process that begins next month, represents an important measure to improve the public pillars of our retirement system, but much more …

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Group RRSP is not a product

An RRSP is not a product

Weaning the retirement industry off our obsession with regulatory categories   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. “It’s a Group RRSP.” Or a target-benefit plan. Or a defined-benefit plan. Or a …

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US Retirement

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) and OPTrust, as well as President Hassan Yussuff of the Canadian Labour Congress, to discuss the Canadian retirement income and pension system and its relevance to American policy debates. …

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Banff

Designing retirement plans for modest earners

Co-Founder Alex Mazer presented at the 2017 ACPM National Conference on September 13. Click here for his presentation, “Expanding access to high-quality retirement plans for modest earners”, which was part of a plenary session on Changes and Choices – The New Economy and Plan Design Considerations. Canadians are earning income in non-traditional roles – the gig …

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