{"id":228720,"date":"2019-07-31T12:02:23","date_gmt":"2019-07-31T16:02:23","guid":{"rendered":"https:\/\/policyoptions.irpp.org\/podcast\/low-income-savers-tfsas-2\/"},"modified":"2025-08-26T01:04:48","modified_gmt":"2025-08-26T05:04:48","slug":"low-income-savers-tfsas-2","status":"publish","type":"podcast","link":"https:\/\/policyoptions.irpp.org\/fr\/podcast\/low-income-savers-tfsas-2\/","title":{"rendered":"Why low-income savers should choose TFSAs"},"content":{"rendered":"<p>Tax-Free Savings Accounts were designed to help lower-income Canadians put money away for retirement. But a decade into the program, new research shows that TFSAs are primarily benefitting higher-income savers. A saver\u2019s credit and other tax changes could be the keys to fixing this flaw, writes Richard Shillington in a <a href=\"https:\/\/irpp.org\/research-studies\/are-low-income-savers-still-in-the-lurch-tfsas-at-10-years\/\">widely read study<\/a> for the IRPP.<\/p>\n<p>Richard Shillington is a statistician specializing in poverty measurement, tax policy and low-income supports. He joins us on the podcast to discuss his study and its implications for low-income savers.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Tax-Free Savings Accounts were designed to help lower-income Canadians put money away for retirement. But a decade into the program, new research shows that TFSAs are primarily benefitting higher-income savers. A saver\u2019s credit and other tax changes could be the keys to fixing this flaw, writes Richard Shillington in a widely read study for the [&hellip;]<\/p>\n","protected":false},"featured_media":228714,"template":"","meta":{"_acf_changed":false,"content-type":"","ep_exclude_from_search":false},"categories":[9368,9362,9387,9372],"tags":[8577],"irpp-category":[4245,4320],"section":[],"irpp-tag":[],"class_list":["post-228720","podcast","type-podcast","status-publish","has-post-thumbnail","hentry","category-podcasts-fr","category-economie","category-elaboration-de-politiques","category-recent-stories-fr","tag-taxation-fr","irpp-category-economie","irpp-category-politique-fiscale"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Why low-income savers should choose TFSAs - Policy Options<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/policyoptions.irpp.org\/fr\/podcast\/low-income-savers-tfsas-2\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Why low-income savers should choose TFSAs - Policy Options\" \/>\n<meta property=\"og:description\" content=\"Tax-Free Savings Accounts were designed to help lower-income Canadians put money away for retirement. 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A saver\u2019s credit and other tax changes could be the keys to fixing this flaw, writes Richard Shillington in a widely read study for the [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/policyoptions.irpp.org\/fr\/podcast\/low-income-savers-tfsas-2\/\" \/>\n<meta property=\"og:site_name\" content=\"Policy Options\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/IRPP.org\" \/>\n<meta property=\"article:modified_time\" content=\"2025-08-26T05:04:48+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/policyoptions.irpp.org\/wp-content\/uploads\/2025\/08\/Shillington.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2000\" \/>\n\t<meta property=\"og:image:height\" content=\"700\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@irpp\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/policyoptions.irpp.org\\\/fr\\\/podcast\\\/low-income-savers-tfsas-2\\\/\",\"url\":\"https:\\\/\\\/policyoptions.irpp.org\\\/fr\\\/podcast\\\/low-income-savers-tfsas-2\\\/\",\"name\":\"Why low-income savers should choose TFSAs - Policy Options\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/policyoptions.irpp.org\\\/fr\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/policyoptions.irpp.org\\\/fr\\\/podcast\\\/low-income-savers-tfsas-2\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/policyoptions.irpp.org\\\/fr\\\/podcast\\\/low-income-savers-tfsas-2\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/policyoptions.irpp.org\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/Shillington.jpg\",\"datePublished\":\"2019-07-31T16:02:23+00:00\",\"dateModified\":\"2025-08-26T05:04:48+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/policyoptions.irpp.org\\\/fr\\\/podcast\\\/low-income-savers-tfsas-2\\\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/policyoptions.irpp.org\\\/fr\\\/podcast\\\/low-income-savers-tfsas-2\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/policyoptions.irpp.org\\\/fr\\\/podcast\\\/low-income-savers-tfsas-2\\\/#primaryimage\",\"url\":\"https:\\\/\\\/policyoptions.irpp.org\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/Shillington.jpg\",\"contentUrl\":\"https:\\\/\\\/policyoptions.irpp.org\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/Shillington.jpg\",\"width\":2000,\"height\":700},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/policyoptions.irpp.org\\\/fr\\\/podcast\\\/low-income-savers-tfsas-2\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/policyoptions.irpp.org\\\/fr\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Why low-income savers should choose TFSAs\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/policyoptions.irpp.org\\\/fr\\\/#website\",\"url\":\"https:\\\/\\\/policyoptions.irpp.org\\\/fr\\\/\",\"name\":\"Policy Options\",\"description\":\"Institute for Research on Public Policy\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/policyoptions.irpp.org\\\/fr\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Why low-income savers should choose TFSAs - Policy Options","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/policyoptions.irpp.org\/fr\/podcast\/low-income-savers-tfsas-2\/","og_locale":"fr_FR","og_type":"article","og_title":"Why low-income savers should choose TFSAs - Policy Options","og_description":"Tax-Free Savings Accounts were designed to help lower-income Canadians put money away for retirement. 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