retirement income

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Age of eligibility for government retirement programs—Canada remains an outlier

In 2015, the federal government scrapped plans to increase the age of eligibility for OAS and GIS.

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Advertisements mislead Canadians about the CPP investment board

The bulk of current contributions fund the benefits to current retirees.

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The program is designed so Canadians who die early in life subsidize those who live longer.

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The evidence does not support claims of a widespread retirement savings problem in Canada.

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CPP expansion will mean several thousands of dollars more in annual contributions from working Canadians.

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Canadians born in 1971 or after can now expect to receive a meagre rate of return from their CPP contributions of between 2.3 per cent and 2.5 per cent (depending on their specific year of birth).

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Most Canadians are adequately prepared for retirement, making CPP expansion largely unnecessary.

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A narrow focus on pension assets overlooks non-pension assets such as stocks, bonds, real estate and other investments.

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In 2014, savings in non-pension assets totalled $9.5 trillion, dwarfing the $3.3 trillion assets in the formal pension system.