"The world is changing and retirement is changing with it."

Our latest report in The Future of Retirement series, Bridging the Gap explores two important themes on the minds of Canadians as they prepare for retirement: The Cost of Ageing and Women in Retirement. Key findings help to understand positive changes women can make to achieve a healthier retirement, while working age people share their concerns about managing their finances and covering their care costs when in retirement.

The 2018 report captures the retirement views of over 17,405 people across 16 countries and territories – including 1,005 Canadians.

Explore detailed findings from both 2018 Future of Retirement reports: Cost of Ageing and Women in Retirement reports:

Archives of past reports

Cost of Ageing

Canada Key Findings


of working age people typically save for short-term goals rather than longer term plans


of working age people are paying into a retirement account each month


of working age people are currently saving for future nursing/care home fees


of working age people are predicting a comfortable retirement

Source: 2018 Future of Retirement report, Bridging the GAP - Cost of Aging



Women in Retirement

Canada Key Findings

Women are still far more likely to take a career break to look after children, than men. This significant amount of time out from earning, has led to a quarter (25 per cent) of working age women not having contributed as much financially towards retirement as their partners.



One in four working age women have contributed less towards retirements than their partners

Retirement Tips & Tools

A secure retirement depends on the investment decisions you make today.


Do you know what it may take to create a secure retirement? 
Use this calculator to help you create a simple retirement plan.


Determine how much you should withdraw from your RRIF account each year.


See how an RRSP loan could help jump start your retirement savings or catch up on available contribution room.

The research

The Future of Retirement is a world-leading independent research study into global retirement trends, commissioned by HSBC. It provides authoritative insights into the key issues associated with ageing populations and increasing life expectancy around the world.

This is the fifteenth in the Future of Retirement series and represents the views of 17,405 people in 16 countries and territories. Since The Future of Retirement programme began in 2005, more than 194,000 people have been surveyed worldwide.

The survey

The findings are based on a representative sample of people of working age (21+) or in retirement, in each country or territory. The research was conducted online by Ipsos MORI in November and December 2017, with additional face-to-face interviews in the UAE.

The 16 countries and territories are Argentina, Australia, Canada, China, France, Hong Kong, India, Indonesia, Malaysia, Mexico, Singapore, Taiwan, Turkey, United Arab Emirates, United Kingdom and United States.

Retirees are people who are semi or fully retired. Working age people are those who have yet to fully or semi-retire. Figures have been rounded to the nearest whole number.


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1 HSBC InvestDirect is a division of HSBC Securities (Canada) Inc., a wholly owned subsidiary of, but separate entity from, HSBC Bank Canada. HSBC Securities (Canada) Inc. is a member of the Canadian Investor Protection Fund. HSBC InvestDirect does not provide investment advice or recommendations regarding any investment decisions or securities transactions.

*This calculator, your use of it, and any results generated by it, are for illustrative purposes only and are not intended to provide specific financial, investment, tax, legal, accounting or other advice to you. You should not act or rely on the information provided without seeking the advice of a professional. Before you make an investment decision, we recommend that you consult with an investment professional who can help to ensure that your own circumstances have been properly considered and any action you take is based on the latest available information. Any forward looking results or projected returns presented by this calculator are only estimates and are based on assumptions that may turn out to be inaccurate or inapplicable. Actual results or returns may be materially different. The use of any historical rate of return should not be relied upon as past performance is not indicative of future performance. This is not an offer to sell or the solicitation of an offer to purchase or subscribe for any investment This calculator uses software under license from a third-party that is not a member of the HSBC Group.