L’épargne à l’abri de l’impôt : son utilisation et ses effets présents et futurs sur les recettes du gouvernement du Québec
This study analyzes the use of registered savings vehicles in Quebec (RRSPs and TFSAs) and projects their impact on public finances through 2060. It highlights distinct usage patterns by age and income, as well as a gradual shift in savings from RRSPs to TFSAs over time. The projections indicate that the overall tax expenditure associated with these vehicles remains relatively stable over time in proportion to personal income tax. However, alternative scenarios (changes to the rules) could significantly alter this, as well as its timing.
