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Do Workplace Pensions Crowd Out Other Retirement Savings? Evidence from Canadian Tax Records

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  • Messacar, Derek

Abstract

This paper investigates whether registered pension plans (RPPs) help households prepare financially for retirement or simply substitute for other forms of private saving. This issue is addressed using a panel of 1.8 million Canadian households, from 1991 to 2010, which appear in the Longitudinal Administrative Databank. The analysis controls for correlations in savings across accounts due to unobserved tastes for saving by exploiting the fact that employer contribution rates increase discontinuously on earnings above the average industrial wage, a unique feature of occupational pensions in Canada, the effect being estimated in a Regression Kink Design.

Suggested Citation

  • Messacar, Derek, 2015. "Do Workplace Pensions Crowd Out Other Retirement Savings? Evidence from Canadian Tax Records," Analytical Studies Branch Research Paper Series 2015371e, Statistics Canada, Analytical Studies Branch.
    • Handle: RePEc:stc:stcp3e:2015371e
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    File URL: https://www150.statcan.gc.ca/n1/en/catalogue/11F0019M2015371
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    File URL: https://www150.statcan.gc.ca/n1/en/catalogue/11F0019M2015371
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    Cited by:

    1. Robert French & Philip Oreopoulos, 2017. "Applying behavioural economics to public policy in Canada," Canadian Journal of Economics/Revue canadienne d'économique, John Wiley & Sons, vol. 50(3), pages 599-635, August.
    2. Derek Messacar, 2018. "The Effects of Vesting and Locking in Pension Assets on Participation in Employer-Sponsored Pension Plans," Journal of Labor Research, Springer, vol. 39(2), pages 178-200, June.

    More about this item

    Keywords

    Income; pensions and wealth; Income; pensions; spending and wealth; Pension plans and funds and other retirement income programs; Seniors; Work and retirement;
    All these keywords.

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