{"id":7969,"date":"2023-07-23T08:02:42","date_gmt":"2023-07-23T12:02:42","guid":{"rendered":"https:\/\/creei.ca\/analyse-de-la-rentabilite-economique-des-scenarios-de-reforme-du-rrq-proposes-en-2016\/"},"modified":"2023-11-23T13:43:09","modified_gmt":"2023-11-23T18:43:09","slug":"analyse-rentabilite-economique-scenarios-reforme-rrq-proposes-2016","status":"publish","type":"page","link":"https:\/\/creei.ca\/en\/analyse-rentabilite-economique-scenarios-reforme-rrq-proposes-2016\/","title":{"rendered":"Analyse de la rentabilit\u00e9 \u00e9conomique des sc\u00e9narios de r\u00e9forme du RRQ propos\u00e9s en 2016"},"content":{"rendered":"
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We use simulation methods to analyze the impacts of the most recent proposals to reform the Quebec Pension Plan \u2013 those put forward in June, 2016 by the Quebec and Canadian governments. Accounting for uneven life expectancy by level of education, earnings variability, and interactions with the tax and retirement income systems, we compute internal rates of return (IRR) for 78\u00a0types of individuals. The actual rate of return on new contributions is comparable to that of other financial products. Although IRR are comparable for individuals earning more than $25,000 on average under the two proposed reforms, the federal proposal yields higher income replacement rates and provides more attractive IRR for individuals with earnings at the bottom of the distribution.<\/p>\n<\/div>\n<\/div>\n<\/div>\n

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Publication Authors: David Boisclair, Simon Bri\u00e8re, Guy Lacroix, Steeve Marchand and Pierre-Carl Michaud<\/div>\n<\/div>\n
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Number: 16-06<\/div>\n<\/div>\n
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File: \"PDF cahier_16-06_reforme_rrq.pdf<\/a><\/div>\n<\/div>\n
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Year: 2016<\/a><\/div>\n<\/div>\n

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Scientific Publication: Canadian Public Policy\/Analyse de politiques, 44(2), 134-158. doi.org\/10.3138\/cpp.2017-038.<\/a><\/div>\n<\/div>\n<\/article>\n<\/div>\n<\/div>\n<\/div>
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