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- 1. Debt and assets among senior Canadian families ArchivedArticles and reports: 75-006-X201900100005Description:
Using data from the Survey of Financial Security (SFS), this article looks at changes in debt, assets and net worth among senior Canadian families over the period from 1999 to 2016. It also examines changes in the debt-to-income ratio and the debt-to-asset ratio of Canadian senior families with debt.
Release date: 2019-04-03 - Articles and reports: 75-006-X201500114134Description:
This study compares the wealth holdings of family units covered by workplace pension plans with those of other family units. It focuses on families and unattached individuals who had no significant business equity and whose major income recipient was aged 30 to 54 and employed as a paid worker. The paper also examines whether wealth differences observed between families with registered pension plan (RPP) assets and other families persist when key sociodemographic differences between the two populations are taken into account.
Release date: 2015-01-15 - Articles and reports: 11F0027M2011074Geography: CanadaDescription:
Discussions of pension adequacy for elderly Canadians have used the rate at which income falls with age; the income replacement rate or the ratio of post-retirement income to pre-retirement income. Use of income streams to assess post-retirement welfare requires a standard against which adequacy of the replacement rates can be judged. Because some expenditures (for example, work-related expenses) can be expected to fall after retirement, a declining income stream does not necessarily signal financial problems for seniors. More importantly, income as normally measured captures only part of what is available to seniors if households possess assets, which in retirement are not being used to generate measured income.
This paper uses a different metric, referred to as "potential" income. Potential income is the sum of realized income and the income that could be realized from owned assets such as mutual funds and housing. Households prepare for retirement by saving and borrowing and investing the proceeds. The assets accumulated over a lifetime may or may not be drawn down in later years. If they are not, income streams underestimate the "potential" income available to support retirement. This paper takes this potential into account when comparing the pre- and post-retirement financial status of Canadian households.
Release date: 2011-11-21 - 4. Private pension savings, 1999 ArchivedArticles and reports: 75-001-X20010126037Geography: CanadaDescription:
This report focuses on employer pension plan assets, together with other private pension assets such as registered retirement savings plans. It also presents estimates of net worth, including the value of employer pension plan benefits.
Release date: 2001-12-17
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- 1. Debt and assets among senior Canadian families ArchivedArticles and reports: 75-006-X201900100005Description:
Using data from the Survey of Financial Security (SFS), this article looks at changes in debt, assets and net worth among senior Canadian families over the period from 1999 to 2016. It also examines changes in the debt-to-income ratio and the debt-to-asset ratio of Canadian senior families with debt.
Release date: 2019-04-03 - Articles and reports: 75-006-X201500114134Description:
This study compares the wealth holdings of family units covered by workplace pension plans with those of other family units. It focuses on families and unattached individuals who had no significant business equity and whose major income recipient was aged 30 to 54 and employed as a paid worker. The paper also examines whether wealth differences observed between families with registered pension plan (RPP) assets and other families persist when key sociodemographic differences between the two populations are taken into account.
Release date: 2015-01-15 - Articles and reports: 11F0027M2011074Geography: CanadaDescription:
Discussions of pension adequacy for elderly Canadians have used the rate at which income falls with age; the income replacement rate or the ratio of post-retirement income to pre-retirement income. Use of income streams to assess post-retirement welfare requires a standard against which adequacy of the replacement rates can be judged. Because some expenditures (for example, work-related expenses) can be expected to fall after retirement, a declining income stream does not necessarily signal financial problems for seniors. More importantly, income as normally measured captures only part of what is available to seniors if households possess assets, which in retirement are not being used to generate measured income.
This paper uses a different metric, referred to as "potential" income. Potential income is the sum of realized income and the income that could be realized from owned assets such as mutual funds and housing. Households prepare for retirement by saving and borrowing and investing the proceeds. The assets accumulated over a lifetime may or may not be drawn down in later years. If they are not, income streams underestimate the "potential" income available to support retirement. This paper takes this potential into account when comparing the pre- and post-retirement financial status of Canadian households.
Release date: 2011-11-21 - 4. Private pension savings, 1999 ArchivedArticles and reports: 75-001-X20010126037Geography: CanadaDescription:
This report focuses on employer pension plan assets, together with other private pension assets such as registered retirement savings plans. It also presents estimates of net worth, including the value of employer pension plan benefits.
Release date: 2001-12-17
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