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moneysense.ca, 25/06/10
Pension reform draws criticism
A CPP hike looks good — but consider where the money’s coming from.
Current issue:
It seems like pretty solid logic: Raising mandatory pension contributions will improve Canadians’ economic well being in retirement. Hence federal Finance Minister Jim Flaherty’s recent proposal to reform the CPP with that goal in mind.
Well, don’t be too gullible, says Canadian Business’ Larry MacDonald. (Actually, he says, “don’t be too trusting,” but let’s not split hairs.)
Besides decreasing take-home pay, MacDonald’s main concern lies with the simple fact that the CPP is government-run, and government programs are often inefficient, with more attention paid to political objectives than to maximizing return on investments. You don’t say?
moneysense.ca, 25/06/10
I would be interested in a fair comparison of all costs (administration fees, advertising, service charges, etc.) of providing similar monthly pensions between the "government run" CPP program and the "private" retirement savings industry. If you include lost government tax revenue from RRSP deductions (and perhaps overall the cost to business & lost government tax revenue of private pesnion plans), I expect that having the CPP as the only government supported retirement vehicle funded through payroll deductions would be the most cost effective and the most beneficial to the Canadian public & business as a whole. Perhaps we could also gradually increase the CPP payment rate to 70% of a reasonable annual earning level in order to provide a good standard of living to all retired Canadians.
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