On May 27, the online conference, “Virage vers les soins à domicile au Québec ? Enjeux et possibilités” (in French) on long-term care, took place. The event included a panel notably moderated by Bernard Morency who discussed various issues with Alain Dubuc, Pauline Marois and André Picard.
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The article “Playing with Fire? Household Debt near Retirement in Canada,” by Nicolas Bédard and Pierre-Carl Michaud, was published in March 2021 in Canadian Public Policy/Analyse de politiques.
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Yann Décarie, RSI Research Officer, gave a presentation at the QICSS on excess mortality during the first wave of COVID-19, based on CREEi working paper 20-08, which he co-wrote with Pierre-Carl Michaud.
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The article “Housing liquidity and long-term care insurance demand: A quantitative evaluation,” by Bertrand Achou, was published in February 2021 in the prestigious Journal of Public Economics.
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Several RSI team members obtain a nearly $195,000 SSHRC Insight Grant for their project titled “Income security in retirement: perceptions, incentives and behaviours.”
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On January 25, Marianne Laurin (M. Sc.) joined the RSI team as a Research Officer. Previously a student researcher at CREEi, she will work among other things on modelling employment and the CPP as part of the important microsimulation project in which the Institute is involved with various federal agencies.

Pierre-Carl Michaud and 4 other members of the RSI team examine the behaviours and intentions of Quebecers and Canadians with regards to taking QPP and CPP annuities.
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The CPR retirement preparation calculator, developed by a RSI team with the financial support of the Global Risk Institute, is now available in open access.
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The Canadians’ Preparation for Retirement (CPR) report released in June 2020 is now fully available in French.
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HEC Montréal obtained a grant from the John R. Evans Leaders Fund of the Canada Foundation for Innovation for a project of the RSI team that involves high performance computing on large sets of confidential microdata.
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This latest RSI report presents a new and detailed retirement preparedness calculator that includes an important, innovative stochastic component.

It allows to conclude that only 18% of households have less than 4 chances out of 5 of being prepared for retirement.
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A large, original web survey on the personal finances of Quebecers before and during the COVID-19 pandemic was fielded in May by the institute and is the subject of a 2nd research note, which draws a portrait of the beneficiaries of the CERB.
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The 2020 RSI Index of the knowledge of the retirement system (also dubbed “retirement literacy”) – built prior to the pandemic – stands at 38.2%, slightly above last year’s.
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The institute is gradually making available the survey data it generates to the research community through the Dataverse platform.
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A large, original web survey on the personal finances of Quebecers before and during the COVID-19 pandemic was fielded in May by the institute and is the subject of a research note.
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Increase the age of eligibility for the QPP? On January 20, 2020, new analyzes were presented on this topic and commented by a panel of renowned experts led by Bernard Morency.
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Revisit the material connected to the project on the complex choice between contributing to an RRSP or a TFSA, including the working paper and presentations from the breakfast seminar.

An analysis of the role of housing in the eligibility for the Medicaid program in the United States, and the implications of potential changes to the rules.
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Our 2nd CEAR-RSI Household Finance Workshop took place on November 15 and 16, 2019 in Old Montreal.
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Through a competitive process, the RSI was selected as academic partner of the Dynamic Microsimulation Initiative of Employment and Social Development Canada. As such, the RSI will receive nearly $1.4 million by 2023 in order to build a Canadian retirement simulation model with ESDC and Statistics Canada.
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Henri-Paul Rousseau joins the RSI as Adjunct Professor. Through his tremendous expertise, his will bring value to the research activities of the Institute while contributing to the RSI’s reach and the development of its ties with the business community.
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On September 3, Bertrand Achou joined the Institute as an Associate Researcher. Holding a Ph. D. from the Paris School of Economics, his research focuses mainly on the economic and financial risks after retirement and the implications of this for insurance and public policy.

The RSI Index combines the responses of 3,000 Canadians aged 35 to 54 to 6 questions of general financial knowledge and 23 program-specific questions on 4 different topics, for a total of 29 questions. For the first edition, the overall index is 36.5%, reflecting a limited knowledge of our multi-pillar system and of certain key concepts.
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How will innovative products and technological progress contribute to consumers taking control of their financial well-being?

This was the them of the roundtable organized by HEC Montréal and the RSI on June 10, as part of the 25th Conference of Montreal. Moderated by Bernard Morency, the roundtable brought together Gregory Chrispin, from the Mouvement Desjardins; Adam Felesky, from Portage3; Mark Evans, from Conquest Planning; and Pierre-Carl Michaud, director of the RSI.

On April 12, professor Philippe d’Astous received the Financial Literacy Research Award for a paper presented the day before, during GFLEC’s 5th Cherry Blossom Financial Education Institute which took place in Washington, D.C. The paper, co-authored by Martin Boyer and Pierre-Carl Michaud, is titled “Tax-Sheltered Retirement Accounts: Can Financial Education Improve Decisions?.”

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HEC Montréal News

On November 26, Pierre-Carl Michaud, the Director of the Institute, presented a conference entitled “Tax-Sheltered Retirement Accounts: Can Financial Education Improve Decisions?” at the National Research Symposium on Financial Literacy, in Toronto.
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The Retirement and Savings Institute (RSI) thanked its main financial partner, Power Corporation of Canada, at a recognition event held on May 30 at the School.
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