A recent global pension index improved Canada's pension score, but highlighted significant areas needing enhancement, particularly workplace pensions.
Canada received a grade of B in the Mercer CFA Global Institute Pension Index 2025, the same as the previous year. However, its overall score increased from 68.4 to 70.4 out of 100.
“One of the main strands of the Canadian pension system is that we have a diversified system with multiple sources of income into retirement.” – Hubert Tremblay, Partner and Senior Wealth Adviser, Mercer Canada
The assessment included the Canada Pension Plan, income supplement programs such as Old Age Security (OAS), the Guaranteed Income Supplement (GIS), as well as workplace private plans and voluntary retirement savings like registered retirement savings plans and tax-free savings accounts.
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Author's summary: Canada's pension system shows improvement and diversity but requires better workplace pension support to secure future retirements.