Projecting the adequacy of Canadians' retirement incomes : current prospects and possible reform options
Projections show that half of middle-earning Canadians born between 1945 and 1970 will experience a drop in living standards of at least 25 percent when they retire, and that the phased-in options under discussion to improve Canada/Québec Pension Plan benefits would have modest effects, so governments will have to look at more ambitious and novel reforms than the ones currently under consideration. This study projects the retirement incomes of the future elderly. Using a sophisticated simulation model, author Michael Wolfson is able to look at outcomes across the whole income distribution in more detail than studies of retirement income that only use average measures of income and replacement rates.--Document.
"Projections show that half of middle-earning Canadians born between 1945 and 1970 will experience a drop in living standards of at least 25 percent when they retire, and that the phased-in options under discussion to improve Canada/Québec Pension Plan benefits would have modest effects, so governments will have to look at more ambitious and novel reforms than the ones currently under consideration. This study projects the retirement incomes of the future elderly. Using a sophisticated simulation model, author Michael Wolfson is able to look at outcomes across the whole income distribution in more detail than studies of retirement income that only use average measures of income and replacement rates.--Document."@en
"Résumé -- Distribution of average annual lifetime earnings -- Uncertainty of retirement incomes -- Average replacement rates -- Proportions with low replacement rates -- Economic uncertainty -- Reform scenarios -- Beyond money : what about health and leisure time? -- Concluding discussion -- Appendix. Definitions, concepts, examples."@en
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Revenu de retraite Canada Planification Statistiques.
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