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Retirement Incomes in Canada:Past, Present and Future

Author

Listed:
  • David Boisclair
  • Xavier Dufour-Simard
  • Pierre-Carl Michaud

Abstract

In this paper, we paint a portrait of the evolution of retirement incomes over the last 20 years, and highlight some of the burning policy questions we think are important and deserve in our view more research. We also discuss the potential outlook for retirement incomes in decades to come under the current retirement income system. Our analysis leads us to conclude that seniors have done well in the last decades and that the retirement income system has met both its income replacement and poverty alleviation objectives quite well, but that the changing landscape will soon expose cracks which policymakers should address now rather than later.

Suggested Citation

  • David Boisclair & Xavier Dufour-Simard & Pierre-Carl Michaud, 2025. "Retirement Incomes in Canada:Past, Present and Future," Cahiers de recherche / Working Papers 19, Institut sur la retraite et l'épargne / Retirement and Savings Institute.
    • Handle: RePEc:rsi:irersi:19
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    File URL: https://ire.hec.ca/wp-content/uploads/2025/09/Cahier-19.pdf
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    Keywords

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    JEL classification:

    • J14 - Labor and Demographic Economics - - Demographic Economics - - - Economics of the Elderly; Economics of the Handicapped; Non-Labor Market Discrimination
    • J26 - Labor and Demographic Economics - - Demand and Supply of Labor - - - Retirement; Retirement Policies
    • H55 - Public Economics - - National Government Expenditures and Related Policies - - - Social Security and Public Pensions

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