Posted By 
By Jean-Pierre Laporte
Special to the Financial Independence Hub
The Great Recession of 2008 had many consequences, but in the world of pensions, it truly highlighted the chasm separating private-sector from public-sector retirement plans.
The “Great Divide” boils down to this: civil servants have back-stopped, defined benefit pension plans that will provide a comfortable level of pension benefits in retirement, whereas the tax payers responsible to fund such great plans are largely relegated to RRSPs with much lower contribution limits and a limited ability to weather financially volatile markets.
For most, this state of affairs is immutable and lamentable. For those who have made pensions their passion or profession, there are solutions. The difficulty is to make them accessible to the majority, who happens to be the marketplace. What are some of these solutions that put the private and public sectors on an even keel?
The Dividend Route
