text: Why is this not listed as "advertisement" or "sponsor content"?  A partner at Morneau Shepell quotes a study by his firm that suggests you are undersaving if you will have less than 85%(!) of your spendable income.  The solution seems to be some sort of national savings plan, presumably run by firms like M-S.
  
  Fake argument: OAS is inflation-adjusted, not "gradually shrinking in real terms". The CPP enhancement is for people who don't save at all, so it is at worst neutral - if the person saves less by an equivalent amount. Since CPP is not counted against RRSP limits, that will increase potential CPP+RRSP assets.
  
  Meanwhile, his own argument about people reducing RRSP contributions by CPP expansion will be even an bigger argument with a national savings plan, where people will see the "saved" amounts.
  
  Which is why I think this article is just an ad to lobby governments to promote M-S's services.