But if they end up being worse off because they will pay taxes and have government benefit clawbacks on withdrawals in retirement, wouldn't it be consistent with financial literacy to advise some low-income Canadians not to...? I'm not saying for everybody, but for some low-income Canadians, wouldn't it be the right advice to help their financial literacy to tell them not to invest in a PRPP?
On September 24th, 2012. See this statement in context.