Mr. Speaker, I reject entirely the premise of the hon. member's question.
This is not risky at all. As we said, 60% of Canadians do not have a pension plan of their own, especially those who are self-employed or work in small and medium-sized enterprises. This is an important ability for them to save for their future in the long term and well into their golden years.
This government is a very innovative government in that we provide many tools, vehicles and abilities for our Canadian seniors to benefit and live in dignity in their golden years.